vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
First ; On Sunday night,  XXXX   XXXX  at  XXXX   XXXX  as I was going to bed, I checked my bank account balance via text messaging it showed a positive balance of {$74.00}. On Monday  XXXX   XXXX  at  XXXX    XXXX  , I received an online banking ealert ( email ) telling me that my personal checking account balance is below a chosen alert limit = $ -  XXXX .     At  XXXX   XXXX , I noticed my bank account was now showing an overdraft of - {$50.00}. I quickly transferred {$100.00} into my checking account This cerated a positive balance in my account of + {$49.00}.     Then later that same day I made several more small deposits ( {$2.00}. and {$10.00} ) followed by one withdrawal of {$60.00}. This left a positive balance of {$1.0 0}, ( a gain this was on Monday afternoon  XXXX  ) I continued to monitor the account until approx.  XXXX    XXXX    that night and the balance remained at {$1.00}.     Then on  XXXX   XXXX , at  XXXX   XXXX  I received an email eleart notifying me that I was charged with  2 ( two ) overdraft fee charges of {$35.00} each ( {$70.00} ). The total amount of all the overdrafts was showing - {$100.00}, so I immediately deposited an aditional {$40.00} to clear any overdraft fees. ( - {$100.00} + {$40.00} = - {$68.00} ). So, if the fees ( {$70.00} ) were reversed I would have a positive balance of {$1.00}. I immediately called and asked for the fees to be reversed but was flat out denied. I told them I was unaware of any negative balances and when I was aware / notified I promptly covered the negative balances. ( less than 24 hours ).        Fraud was recently found on my debit card account and the card was temporary canceled. This may have caused some confusion on my part and inconvenience. As so, I was monitoring things closely.
I have been with BofA for 17 years. Due to these fees I am trying close my account but they say they can not close it with a negitive balance. Note : (   only their fees make it negative. )

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 2017-04-26 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: TX

Complaint narrative:
Upon being denied from a lender for " too many inquires '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any   reason.
1.     XXXX   XXXX    XX/XX/XXXX  and  5/9/15  2.  XXXX   XX/XX/XXXX  3.   XXXX     XX/XX/XXXX  4.  XXXX   XXXX   XX/XX/XXXX  5.  XXXX   XX/XX/XXXX  6.  XXXX    XXXX   /i am currently waiting for the other 2 credit bureaus to respond to my request.

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 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
I have paid agreed the credit collection agency has not lived up to the promised by  XXXX   XXXX  of removing it from my credit report they said they would notify the credit bureaus  XXXX    XXXX   and  XXXX  to have it removed from my credit report they have not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: CA

Complaint narrative:
All  XXXX    Credit    agencies failed to respond appropriately to Attorney 's demand letter, ignoring the subject and disregarding the statute of the fair credit act. Experian willfully disregarded the letter on 3 more occasions responding with generic letters attached herein. In the process, Experian sent 4 different credit reports on 4 occasions. It came to my attention that Experian is willfully granting access to and business entity for no " permissible purpose ''. The report Experian sent me clearly cites credit inquiries totaling 13 that all state reason for inquiry as " Unspecified ''.    I called Experian and asked about this - they told me " Entities who have Certified to Experian they have a " Permissible purpose '' can have my credit no need for anything in writing or for Experian to verify my signature or consent.     Based on that premise, an entity upon making a request for my credit or any consumer credit can then certify - " No Specific Reason '' when asked why they want my credit. And according to Experian, no reason at all - this is " Permissible Purpose '' for Experian to hand out my credit report and personal information on demand to anyone who pays them. On the occasion of my credit report Experian mail to me, Experian gave out my credit for " unspecified '' reasons on different  13  occasions.     None of these occasions supported or authorized by myself - the consumer. I would like to seek compensation for ever time Experian has breached the 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 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I request debt validation fro m ARS   whe n I noticed it appeared on my credit reports. I never received any notification from this company, and it was showing up as a medical debt which should never be the case, because I have health insurance. I sent my initial request on   XXXX   XXXX   XXXX   They responded without providing debt validation. They provided not documentation with my signature or any paperwork showing that I agreed to this debt. I sent a follow-up notice on   XXXX   XXXX   XXXX     stating that this debt had not been properly validated and that I wanted it removed from all of my credit reports. They have not responded, nor has the collection been removed from my credit reports.

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 2017-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, My situation is as follows : On   XXXX    , I checked my savings account to find that the balance was {$0.00}, and that all the money had been withdrawn. Upon calling the bank, I was told that my account was closed for too many transfers between my savings and checking account. I was told that  3  letters had been sent to me warning me that this would happen. I never received those letters. I was also told that a check would be sent to me by  XXXX  in the amount of {$4600.00}, which was the amount in the account. I told the agent that I could not wait that long because I need to use money in that account and I 'd prefer that a stop payment be put on the check, and to have the money transferred into my checking account or I 'd like to be able to be given the money at a local branch. I was told that that could n't happen. At that point I asked to speak to a supervisor. A supervisor eventually got on the line and said that what I was requesting could n't be done by customer service and that I should be able to get help at a local branch. On  X/14,  I went into a local branch and was told that they could n't put a stop payment on that check because they did n't even have a check number, and that I would probably receive the check by  XXXX .  XXXX  and  XXXX  passed and I did n't receive anything so I called customer service again on  XXXX . I spoke to an agent who said that I should receive the check by   XXXX   and the the other methods I was requesting could n't be done. I requested to speak to a supervisor. The supervisor and I spoke for a while and she said that she would put in a request for the stop payment and for the money to be transferred to my checking account. She said that I should receive the money in my checking account by Monday which was  X/24.   XXXX  passed and I did n't receive anything and I waited to see if the check would come on  XXXX . It did n't come. I called customer service again and asked to speak to a supervisor. A supervisor eventually came on the line and told me that the request for the stop payment and fund transfer to my checking account was denied by the back office. She said that she was going to put in another request further explaining the situation and that she would call me back in  24-48 hrs . At this point, I have no confidence in this being resolved by me speaking to customer service. If submitting this complaint will help me get my issue resolved, I 'd greatly appreciate it.

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 2017-04-26 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: TX

Complaint narrative:
Upon being denied from a lender for " too many inquires '' from   XXXX   report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my  XXXX  credit report that I DID NOT authorize and had no knowledge of. I contacted   XXXX   immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.    XXXX   XXXX    XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX  /i am currently waiting for the other  XXXX  credit bureaus to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: TX

Complaint narrative:
Upon being denied from a lender for " too many inquires '' from Transunion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my   XXXX   credit report that I DID NOT authorize and had no knowledge of. I contacted  XXXX  immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.   1.   XXXX   XXXX    XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  2.   XXXX     XXXX / XXXX / XXXX  3.  XXXX   XXXX / XXXX / XXXX  4.  XXXX   XXXX   XXXX / XXXX / XXXX   5.   XXXX   XXXX / XXXX / XXXX   6.   XXXX   XXXX / XXXX / XXXX  /i am currently waiting for the other  XXXX  credit bureaus to respond to my request.

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 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
For some reas on Convergent has not sent me proof o f my obligation of this alleged debt as requested and continues to report this trade-line to the  XXXX  major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed.     I disputed this account directly with Convergent on  XXXX   XXXX ,   XXXX  . To date, Convergent continues to ignore my requests and they continue to ignore my consumer rights.     I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted.     Who verified this account? What documents did they use to verify? Where are the documents used to verify?     The only correspondence that I received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention tha t Convergent know th ey can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Convergent is blatantly disregarding the law.

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 2017-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-04-26 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: MI

Complaint narrative:
I have many, many times tried to get these Hard Inquires off my report. I have now obtained the letters to get them off as requested many times, by the CRA to get them from the inquiries. So I scanned and attached the letters to get the hard inquires of my consumer credit report. The only thing to do is get the letters then send them to the CRA as they would n't do the work themselves.

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 2017-04-26 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: CA

Complaint narrative:
All three  Credit  agencies failed to respond appropriately to Attorney 's demand letter, ignoring the subject and disregarding the statute of the fair credit act.      XXXX  willfully disregarded the letter on 3 more occasions responding with generic letters attached herein.     In the process,  XXXX  sent 4 different credit reports on 4 occasions. It came to my attention that  XXXX  is willfully granting access to and business entity for no " permissible purpose ''.     The report  XXXX  sent me clearly cites credit inquiries totaling 13 that all state reason for inquiry as " Unspecified ''. I called   XXXX    and asked about this - they told me " Entities who have Certified to  XXXX  they have a " Permissible purpose '' can have my credit no need for anything in writing or for  XXXX  to verify my signature or consent.     Based on that premise, an entity upon making a request for my credit or any consumer credit can then certify - " No Specific Reason '' when asked why they want my credit. And according to  XXXX , no reason at all - this is " Permissible Purpose '' for  XXXX  to hand out my credit report and personal information on demand to anyone who pays them. On the occasion of my credit report  XXXX  mail to me,  XXXX  gave out my credit for " unspecified '' reasons on different  13  occasions.     None of these occasions supported or authorized by myself - the consumer. I would like to seek compensation for ever time   XXXX    has breached the 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 2017-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of   XXXX   XXXX     30 days past due as of   XXXX   XXXX     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am sorry but I have already made a claim with your office but I have new documentation so I was told to redo my claim. On  XXXX   XXXX    XXXX   I disput ed 1 BK and 6 Tax Liens  on my Equifax. They remo ved 1 BK 5 Tax liens ( with c fpb 's help ) on  XXXX   XXXX . Equifax but back on the BK a few days later. Equifax also sent  me a letter ( att ached ) stating that I do not have a BK on  XXXX   XXXX . Then sent me another letter on the same d ate ( attac hed ) saying I do have a BK  and 1 tax lien. I have attached a letter from the County Clerk 's   office stating they do not report to credit bureaus yet my report states  XXXX   XXXX   XXXX  reported to them. This seems to be incorrect report p er the Federal Laws. I hav e attached proof of the information stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: CA

Complaint narrative:
I am sorry but I have already made a claim with your office but I have new documentation so I was told to redo my claim. On  XXXX   XXXX    XXXX   I disput ed 1 BK and 6 Tax Liens on my  XXXX . They removed 1 BK 5 Tax liens ( with cfpb 's he lp ) on  XXXX   XXXX .   XXXX   but back on the BK a few days later.   XXXX   also sent me a lett er ( attac hed ) stating that I do not have a BK on  XXXX   XXXX . Then sent me another letter on the same  date ( a ttached ) saying I do have a BK a nd 1 tax lien. I hav e attached a letter fr om the County Clerk 's   office stating they do not report to credit bureaus yet my report states  XXXX   XXXX   XXXX  reported to them. This seems to be incorrect report per the  Federal Laws.  I have attached proof of the information stated.

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX   XXXX   XXXX     I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that I 'm late payment for the account that Credit reporting have listed on my report.

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