vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Issue is with bank of America, in re to checking account overdraft fees. Bank of America assessed the account 2 separate over draft fees, at {$35.00} each, on or about XX/XX/18-XX/XX/18. 

Bank of America claims two separate transactions - one ATM withdrawal and one ACH debit, caused the account to go into a negative balance.

I logged into the Bank of America mobile app 3-4 times on the date in question, and the available balance was always reflecting as a positive balance. None of the transaction that took place on the date in question were for amounts greater than the " Available Balance '' amount that was reflected via the Bank of America mobile app.

The final time that I logged into the Bank of America mobile app on the date in question, there was a positive balance ; not once during the date in question was there a negative, overdrawn balance reflected.

I contacted Bank of America customer service today by phone. The rep I spoke with did not sound confident why the two overdraft fees were assessed. Her best guess was that transactions made on the prior Saturday and Sunday ( XX/XX/XXXX and XX/XX/XXXX ) were being listed as " Processing '', and there was a delay in the charges being " Settled '', due to Monday, XX/XX/XXXX being a bank holiday ( XXXX XXXX ).

After I asked her why was there never a negative account balance being reported online by Bank of America, the rep was unable to answer my question.

I am positive that none of the authorized transaction amounts were greater than the available account balance, at the time the transactions were made. It appears to me that Bank of America held back certain transactions on the account, and applied them the following business day, and processed them in a specific order that caused the balance to be reflected as a negative balance.

I have tried resolving this directly with Bank of America without any success.

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I noticed some discrepancies on my credit report in which i disputed it with the credit bureau XXXX, Transunion, and XXXX. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. XXXX, Transunion And XXXX made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request Transunion, XXXX and XXXX to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against 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 2018-10-12 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: TN

Complaint narrative:
I noticed some discrepancies on my credit report in which i disputed it with the credit bureau XXXX, XXXX, and Experian. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. XXXX, XXXX And Experian made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request XXXX, Experian and XXXX to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against 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 non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
IN XX/XX/XXXX I SET UP A PAYMENT ARRANGEMENT TO PAY OFF MY XXXX XXXX AE CREDIT CARD. THE PERSON I SPOKE WITH SET UP MY PAYMENT ARRANGEMENT FOR THE END OF THE MONTH EACH MONTH AFTER MY ACTUAL DUE DATE. WHAT I WAS NOT AWARE OF IS THAT I WOULD BE ACCRUING LATE PAYMENT PENALTIES EVERY MONTH EVEN THOUGH I SET UP A PAYMENT ARRANGEMENT WITH THE COMPANY. I WAS NOT MADE AWARE OF THE LATE PAYMENT PENALTIES ADDED TO THE TOTAL AMOUNT I OWED UNTIL MY PAYMENT ARRANGEMENT ENDED IN XX/XX/XXXX. I WAS GIVEN THE IMPRETION THAT BY SETTING UP THIS PAYMENT ARRANGEMENT I WOULD BE PAID OFF IN FULL BY XX/XX/XXXX. I CONTINUE TO GET CALLS FROM DEBT COLLECTORS AND XXXX XXXX STATING THAT THIS IS MY FAULT AND THAT IF I DO NOT PAY IT WILL  NEGATIVELY AFFECT MY CREDIT AND LEGAL ACTION COULD EVENTUALLY BE TAKEN.

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 2018-10-12 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: KY

Complaint narrative:
I disputed the follwing at Experian credit reporting agency. in addition, on XX/XX/2018, asked them to validate the debt. Experian failed to validate the debt and only updated the debt. 

Results Report Number : XXXX Date Generated : XX/XX/2018 XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 




Also, XXXX and XXXX could not validate this incorrect debt and XXXX and XXXX has removed the negative entry.

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 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/18 around noon, I used my ATM card to deposit 2 checks totaling {$890.00} at Wells Fargo ATM at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The ATM went black midstream. It would not return my ATM card or checks. I immediately reported the incident inside the branch. My ATM card was retrieved but my checks totaling {$890.00} were not returned or credited to my account. 
The ATM was not investigated or taken offline. Instead XXXX XXXX, branch manager, said the ATM was " recycling '' and my checks might be processed. If not, she said the branch could not help me in getting my 2 checks back or in having them credited to my account. She told me to call WFC to report the incident. I asked that a banker do this as its ATM had eaten my checks. She reluctantly told a banker named XXXX to call the telephone # on the back of my ATM card. He did in between helping other customers. Dissatisfied, at XXXX XXXX I told him I was recording the incident on my phone. About 20+ minutes later XXXX XXXX an Online Banking CSR said her department could not help as ATM claims should have been called. I complained to XXXX XXXX. She said the bank wouldn't help me to get my 2 checks back or to have them credited to my account. She threatened to have me arrested for recording the incident. I agreed to her calling the " authorities ''. She refused and insisted that I leave the branch.

I have emailed Wells Fargo to relay the above and to request that the 2 checks I deposited promptly be credited to my account. Once a consumer inserts checks into a bank 's ATM isn't the bank responsible for them and obligated to deposit or return them? 

WFC records consumer calls. Can't a consumer openly record conversations with WFC bank branch personnel?

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 2018-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit report is being hurt by an account that isnt mine.

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My issue is related to an XXXX XXXX Business Credit Card. I have been enrolled in a credit monitoring service for years. I never received any notification of a credit application, or an account in my credit report, nor did I ever receive a card, bill, or notice. Out of nowhere, I get dinged by XXXX and my credit score drops 160 points for a credit card default of {$15000.00}. I call XXXX and they will not provide me with any statements, any mailing address/email address information on the account, or if any payments had ever been made and by whom they were made. They tell me that I am personally liable for this debt. They also told me that XXXX Business Credit does NOT report to any credit agency UNTIL an account is in default. In this day and age, how is this possible? There needs to be some regulation that any credit account ( personal or BUSINESS ) that requires the credit bureaus be notified of an application AND the account posted to the " guarantors '' credit report. XXXX is NEGLIGENT in this matter. They need to remove this debt from my credit report, and my credit score needs to be reset to it's prior value immediately.

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: On-Site Manager, Inc.
State: TX

Complaint narrative:
LeasingDesk dba Realpage keeps reporting fraudulent items on my report. It's are showing property debts which do not and have not belonged to me. I provided LeasingDesk with federal affidavits of such and they have failed to remove items. I've also disputed the items as well. It's getting to the point where it's getting redundant. By federal guidelines laid out by FCRA, LeasingDesk not only has violated my consumer rights, they have damaged my consumer file by listing inaccurate information. The listings include that for XXXX dba XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX dba XXXX XXXX, XXXX dba XXXX XXXXXXXX XXXX, XXXX XXXX dba XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
This complaint is in regards to overdraft fees associated with an RBS Citizens Bank checking account. I have already tried coming to a resolution directly with RBS Citizens Bank, but was unable to resolve the issue.

I have previously confirmed directly with RBS Citizens Bank phone representatives and multiple bank tellers that RBS Citizens Bank 's checking account overdraft policy is that if any account becomes overdrawn on a business day, as long as the account holder makes a deposit or transfer into the overdrawn account by/or before XXXX EST on the day the account became overdrawn, an overdraft fee would not be charged. 

After reviewing my account statements, there are a total of 12 overdraft fees, at {$35.00} each, that RBS Citizens Bank has assessed to this checking account.

All 12 of these fees were charged on transactions that overdrew the checking account, but the account balance was brought into a positive balance, by a deposit being made, prior to XXXX XXXX on the day of the overdraft. 

By Citizens Bank 's overdraft policy, there should not have been {$35.00} overdraft fees assessed for these transactions. 

I have attempted numerous times to resolve this with RBS Citizens Bank  phone support representatives. Their standard reply is that they can not reverse overdraft fees. I have replied that I am not looking for a valid overdraft fee to be reversed, that the fees were not correctly assessed by RBS Citizens Bank. Unfortunately, I have been unable to resolve it directly with RBS Citizens Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a HELOC at my own bank, Bank of America. The process has taken incredibly long, no disclosure documents were sent to me for at least 30 days from application date, and NMLS licensed personnel at the bank misrepresented that their policy regarding certain legal forms and notary selection by the consumer were actually state law as opposed to bank policy. Additionally, when I told them that I wanted to apply at a second bank, they told me they refused to process my loan unless I signed a document stating that I would not apply at another bank. I believe this limits competition among service providers and is intended for the bank to take advantage of the consumer. No other business would operate this way. I'm not even certain that type of demand is legal. 

I feel as though they have been misleading me to the extent of possible financial harm by refusing to let me shop for a mortgage.

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 2018-10-12 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: CA

Complaint narrative:
XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, Transunion and XXXX credit bureau reports.I opened the account in XXXX of 2015. 
The payments made for this account were for usage and a XXXX XXXX XXXX phone. 
All payments were made on time because I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep. , settling the account.He tried to sell me a newer phone, a newer XXXX for $ XXXX.I said I WASN'T INTERESTED but there was Sales Persistence.Finally he said we will cancel everything and I WILL NOT BE CHARGED.I kept the same phone number and transferred it to XXXX XXXX. 
This entire account is fraudulent.I owe nothing.

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 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I had a XXXX salesman named XXXX come to my home in 2012. We settled on {$1200.00} for the XXXX {$62.00} a month, I planed to pay {$120.00} to pay it off faster. I revived a bill two days later for {$4100.00} XXXX! I was shocked. I called right away. Said I wanted to contact my salesman. They said he no longer worked there. I said I wanted to cancel, they said no. I couldn't because he was no longer employed and it had to be through him. I said I cancel and they needed to pick it up. They refused. I did not have a contract at all. The sale man had said he would be back to get my trade in and final contract. He never returned. I still have my old vacuum shown on their " contract '' as my trade in. I had asked several times to see a contract since I didn't have one. They sent one that had a list price of {$2400.00}, not {$1200.00} as decided. The salesman had left several packs of new contracts at my home. Which I still have. I signed the cancel from one of those contractfs and faxed to them with the number they had on their answering machine. Trying to find that old fax machine to see if I can get proof of transmison. I called them at day 19 informing them that per their own contract if they did not pick up the vacuum up I can retain or dispose without further obligation because I canceled. This is wrong. Now I have been served for this debt. I will gladly pay the {$1200.00} or give the unused vacuum back. Pieces still in plastic with a never used bag. But I should not have to give it back, they had 20 days to get it per their own " contract ". I did track down the salesman, but he says he can not remember any specifics to my sale. This is not a proper way to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
We signed a lease with an apartment company XXXX XXXX in XXXX LA. They made us buy rental insurance in lieu of deposit and stated any damage would be charged to policy. We fulfilled our lease and gave 30 day notice. THERE was no damage to the apartment when we moved out. I have copies of 30 vacate notice letter. They turned over a claim to debt collection place. National Credit Systems., XXXX XXXX GA They have placed this debt on my credit report. I have never heard a word about this until now. I would think they defrauded the insurance company also. This is tantamount to extoration. I work very hard to keep good credit and pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have tried for weeks to get on to my Credit Account at Experian - All the consumer numbers they give only give you 2 choices and you can not get a live person. Once logged in the web site all my sign on info is correct and then my Account info is correct and it tells me OOps can't help you. Finally called Corporate XXXX ( the only number you can talk with someone ) 4 times and was transferred numerous times each time to at least 6 or 7 people, each one telling me something different. I finally reached a supervisor who told me that it appeared that my report was mixed with someone else and I had to get a hard copy to check it out. I spent at least 6 hours on the phone with these people and if on the first contact would have been relayed correct info would have saved me a bunch of time. I have never witnessed such poor consumer support in my career - which is tech-support ( with the exception of XXXX the last individual ). This is my information they data mine and make money from and yet they make it impossible to access. Should be fined - ( probably will have a data breach like XXXX  did a while back.

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 2018-10-12 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello CFPB, I, XXXX XXXX, am a victim of Id Theft at Paypal Inc. An account was created in my name using my email ID 'XXXX ' on XX/XX/XXXX siphoning off {$15000.00} from my XXXX XXXX  XXXX Checking And Debit Card accounts . I filed a previous CFPB complaint against Paypal Inc. asking for return of lost money. XXXX  XXXX XXXX eventually did chargebacks on the transactions to return the whole money of {$15000.00} back to my original XXXX XXXXXXXX XXXX Checking Account in XX/XX/XXXX and XX/XX/XXXX from the ID Theft Paypal Account 'XXXX ' with Account ID 'XXXX XXXX ' that possessed my money. The previous complaint against Paypal Inc. with CFPB is XXXX. On XX/XX/XXXX, Paypal Inc has informed me on my phone call to them that my account is still in Fraudulent state and is pending investigation for previous complaint # XXXX and associated XXXX   complaint # XXXX. 

This is a Harassment complaint against the above ID Theft perpetrator who is the account owner of Paypal Account 'XXXXXXXX ' with Account ID 'XXXX XXXX ' . ID Theft perpetrator constantly texts my phone # XXXX asking for Release of Stolen Money back to the 'XXXX ' with usage of profane words. This has been an ongoing Harassment issue since XXXX of XXXX till now ( XX/XX/XXXX ). 

Paypal Inc. has to take legal action against the above ID Theft perpetrator account 'XXXX ' with Account ID 'XXXX XXXX ' ASAP so that I can protect myself from the said person 's threats against me and my family. 

XXXX XXXX Mobile # : XXXX Email ID : XXXX XXXX

Company response to consumer: Closed with explanation