vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit score was XXXX with XXXX of mortgage debt and 7 years after paying off the mortgage and a car loan with the same spotless payment record and a significant more money saved my score is slightly under 800. 
With the sleazy credit reporting companies like Trans Union leaking all the consumer data that they have, and now suggesting that those with lower credit scores should be AWARDED a higher score ( I can only guess they want to cause a 2nd housing financial crisis. What gives here. I want the score to reflect my true credit worthy status and the system will not put my credit score where it belongs because I am not filling the banks vault with interest payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
XXXX shows XXXX XXXX XXXX XXXX as write off on my credit report and I made a agreement with the collection company to pay it off for XXXX. Both other credit agency have removed it. I have did to disputes with XXXX and gave them proof it was paid off and it still on my credit,.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed a negative collection from Radius Global Solutions whom I have never heard of, never had any documentation of debt, and did not provide me letter of notification as to which I may dispute the debt within 30 days as required by law. The amount of collection is {$97.00}. This has negatively impacted my credit and my ability to make future purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: CO

Complaint narrative:
Experian is showing XXXX on my report twice I paid this and one shows paid and one shows not paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
XX/XX/2019 on this day I contacted RoundPoint Mortgage Services about a late payment charged to me. The late fee is {$19.00} which is charge if payment is not recieved by XX/XX/2019. I made a payment after XXXX XXXX over the phone and was told by recording it will be posted the next business date. On the next month statement I had a late fee charged to me for {$19.00} for XX/XX/2019 statement. I am being charge for being late over the phone on the XXXX which is the received by the date of the XXXX of the month which is stated on the statement, ( If payment is not received by XX/XX/2019, a late fee of {$19.00} will be charged ) this is stated on all of my mortgage statements. If RoundPoint is charging me a late fee on the XXXX it is a false statement being post on my mortgage statement. I have never been charge a late for paying on the XXXX of the month over the phone making a payment. I spoke with customer service and after debating the charge i was placed on hold while she spoke with someone about this. She did come back on the line and said that they would omit the late charge as a courtesy this time but i need to make my payment by the XXXX. However my statement says payment not received by the XXXX it is late. There is some contradiction on the statement of false misleading information and needs to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reporting a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). I have informed the bureau of inaccurate information with written proof from the debtor that I am not liable for this. I have sent them a copy and they refuse to remove the inaccurate information. THEY HAVE REFUSED TO REMOVE THE INACCURATE INFORMATION, STATING THAT IT HAS BEEN VERIFIED, WHEN CLEARLY IT HAS NOT. This is clearly a a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). This information needs to be removed immediately or I may have to contact higher legal counsel regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My credit card with Bank of America had a {$25.00} credit, I closed one bank acct and tried telling them the new acct but couldn't see how online. 

They saw the {$25.00}, not as a credit but balance and tried collecting it, when they couldn't they charged me {$25.00} returned check fee twice. I didn't owe them any money. 

I tried calling but could never speak to a person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I am opted in to the overdraft services program at my bank, Wells Fargo. I made two transactions beyond my balance that I expected a fee from. I was charged 5 overdraft fees. 3 of those transactions I had the funds for and the bank acknowledges this when I called for help. They stated that because my pending balance was negative when those three transactions posted that they had the right to collect fees for those as well regardless of my having funds to cover them. They state that because I opted into overdraft services that they have the right to charge fees at their discretion even when I have funds. I have scoured all of the terms and conditions for the overdraft services program to see if this is a term that I agreed to when opting in. Nowhere am I able to find this situation in the terms and program details. The only time the terms state a fee would be applied is for the transactions made beyond my balance. This is extremely unethical and possibly illegal, as far as my research shows. They are unwilling to help resolve the issue and were rude and pushy when asked for 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 2019-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/2018, my credit report identified an address in Kansas. I have never lived in Kansas. On XX/XX/XXXX, I received a statement from Capital One via my online email with the following address : XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS. I have never lived in Kansas. When I called Capital One to ask why they changed my address- I received no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: TX

Complaint narrative:
I am reporting a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). I have informed the bureau of inaccurate information with written proof from the debtor that I have paid this debt in full. I have sent them a copy of my payment receipt and they refuse to remove the inaccurate information. THEY HAVE REFUSED TO REMOVE THE INACCURATE INFORMATION, STATING THAT IT HAS BEEN VERIFIED, WHEN CLEARLY IT HAS NOT. This is clearly a a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). This information needs to be removed 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 explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
On XX/XX/2019, my XXXX XXXX XXXX was stolen from XXXX, VA, I.e., by XXXX XXXX. I reported that the car was stolen to the XXXX, Virginia Police Department, Case # XXXX, At XXXX on XX/XX/2019, I reported to my Car insurance, i.e., XXXX XXXX that my vehicle aforementioned was stolen. 

My insurance informed me that I would need to file a police report, which I did, on XX/XX/2019. XXXX XXXX made reservations for me to obtain a rental car on XX/XX/2019. I filed my police report with the XXXX, Virginia Police Department and they gave me Case No. XXXX. 

The aforementioned vehicle was found on XX/XX/2019  Burned Up. I have spoken to the XXXX XXXX Claim Adjuster : XXXX XXXX several times if the vehicle is repairable. Ive asked the XXXX XXXX adjuster : XXXX XXXX, from time vehicle was stolen to date, is the vehicle repairable and if not what is the next process. Ive asked the Adjuster have they informed BMW North America Financial Services, who I financed the car through. Which the adjuster said, we have not notified BMW, that we will not notify BMW until we make a decision  if vehicle is repairable or totaled, which she propagated to me in a email. 

Today is XX/XX/2019 and I have still not been updated with any information. My insurance premium, I.e., is automatically taken from my bank account with XXXX XXXX. Im paying for a service, which has yet to have been rendered and fulfilled. Can someone please step in and enforce my consumers rights. I have all the emails from the XXXX XXXXl Adjuster stating they have not notified BMW North America Financial Services of the status of the Vehicle. Which BMW customer representative informed me a department has been notified. One or  both entities are lying. 

I called BMW North America Financial Services on  XX/XX/2019 to inform them of this situation. A customer service representative informed me that a Certain department has been notified of this situation, and she left me on hold for an hour. 
Every time I call BMW North America Financial Services they leave me on Hold for a substantial Long Duration, where Im left on the phone for unwaitable time. Can someone from the CFPB please help me with dealing with XXXX XXXX and BMW North America Financial Services. 

Thank You V/r XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Automated Collection Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2018, I sent written notice to Automated Collection Services Inc. ( ACSI ) via certified mail in winch I required ( ACSI ) to  cease and desist from contacting me or my family members in this and any related matters unless it was by United States Mail. 

I have phone records showing multiple calls from ACSS after my XX/XX/2018 letter. 

This is debt collection abuse and harassment. I believe Automated Collection Services is violating my rights under the federal fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent account XXXX XXXX open XXXX14 Amount 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 2019-05-16 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: TX

Complaint narrative:
I am reporting a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). I have informed the bureau of inaccurate information with a receipt of payment that this debt has been paid in full and they are still reporting it as a charge off. I have sent them a copy and they refuse to remove the inaccurate information. THEY HAVE REFUSED TO REMOVE THE INACCURATE INFORMATION, STATING THAT IT HAS BEEN VERIFIED, WHEN CLEARLY IT HAS NOT. This is clearly a a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). This information needs to be removed 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 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
To : The Consumer Financial Protection Bureau, I had an account with First Financial Bank ending in XXXX that experienced ACH Fraud for an amount of {$3400.00} on XX/XX/XXXX. On XX/XX/XXXX I received a provisional credit in the amount of {$3400.00}. ( The {$4.00} was an error by First Financial Bank and is negligible and not part of this complaint, but I wanted to explain the discrepancy within the transaction history on the provided statements ) The provisional credit was credited to my account ending in XXXX for {$3400.00}, then that amount was immediately debited and credited into my new account ending in XXXX on XX/XX/XXXX. The new account was opened in response to the fraud. Everything was fine and my account was eventually closed in XX/XX/XXXX and I no longer had a relationship with First Financial Bank. Then on XX/XX/XXXX I received a call from XXXX XXXX of First Financial Bank, she threatened legal action if I do not pay this amount. I was shocked to hear about an ACH dispute that occurred over SIX months ago. Therefore FFB reopened my account without my permission and put a negative balance on my account. This is all after the account was closed with a XXXX balance and no outstanding items in XX/XX/XXXX. 

1. What is the point of closing an account? 
2. Why am I held responsible for an ACH dispute claim that falls outside of the ACH dispute timelines? 
3. There is also a {$2000.00} check that I cashed that shows no where on my statements ( which are attached ) and I am being told that the check bounced. This also occurred on my closed ( and unfairly reopened account ending in XXXX ) 4. I feel harassed and that this is exactly why the CFPB is put into place. FFB can not call me and demand restitution until a prosecutor has reviewed the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: CO

Complaint narrative:
This is a follow up to complaint XXXX. I reviewed the response provided by Experian, but it does not address my initial complaint. In my original complaint, I have issues with : 1. Conflicting and wrong information provided by their representatives.

2. The reason why I was unable to temporary lift the security freeze using the experian.com/freeze website even though the validation information I entered was correct, as listed on my Experian credit report.

3. Why Experian 's representative set an expectation that if I spent {$90.00} to overnight the documents needed by XXXX XXXX the following morning that the freeze would be lifted within 15 to 20 minutes. However, after I overnighted the documents and confirmed receipt the following day, it took almost a week for the freeze to be lifted. 

Since my original complaint, I have received a letter from Experian dated XX/XX/2019 confirming the security freeze has been temporarily lifted, but have not received the PIN reminder notice I was told would be sent. 

I am also disappointed in the CFPB for closing my original complaint even though Experian clearly evaded addressing any of my concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent account XXXX XXXX open 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 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019 Bank of America authorized {$1800.00} to be fraudulently transferred by XXXX. We immediately called Bank of America to notify them of the identity theft. They have since denied to refund our money. I filed with the local authorities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent account XXXX XXXX openXXXX-18 Amount 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 2019-05-16 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:
Fraudulent account XXXX XXXX XXXX open XX/XX/XXXX Amount XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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:
Fraudulent account XXXX XXXX openXX/XX/XXXX Amount XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Due to inaccurate reporting of available funds by Huntington Bank I incurred an initial overdraft fee on a purchase of gasoline in the amount of {$57.00}. With my account now in the negative there were 2 more transactions processed by the bank in the amounts of {$12.00} ( XXXX ), {$5.00} ( XXXX XXXX ) and {$9.00} ( XXXX ). The overdraft fees associated with these transactions amounted to a total of {$150.00}. Now at an even larger negative balance on my account. The bank authorized wrongful charge from XXXX cable. Historically I always pay my XXXX bill with another account. The charge was processed to this account in XXXX error. To which they admitted fault. Upon learning of this I contacted XXXX and visited a local Huntington branch and spoke to reps about how to go about resolving this. I was told by both of them to file a wrongful charge claim. I did so on XX/XX/2019. I was told not to transfer any funds to offset anything while the bank was investigating the wrongful charge because the banking institution would be less inclined to refund the funds. That same day I called Huntingtons customer service to confirm that what the branch representative was telling were true and was told that it was. As a precaution, I paid XXXX again. Just in case the investigation had a negative impact on my billing. Upon finishing their investigation Huntington decided in the favor of XXXX. Although there should be a recording from my conversation with a rep where they're admitting fault. Folllwing the instructions of multiple bank reps I did not transfer any funds to offset the negative account and this resulted in the bank adding additional overdraft fees. Huntingtons determination resulted in even more overdraft fees. After everything had processed I had 11 overdraft fees totalling {$360.00} resulting from 4 transactions ; 3 of  which being less than {$13.00}. To offset the full negative balance of {$470.00}. Funds were transferred from another account without authorization or notice. I read the disclosure statement and it does not support this. This situation is resulting in me being unable to pay my rent as I'd intended to on XX/XX/2019.

Company response to consumer: Closed with monetary relief