vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
On XX/XX/XXXX, I deposited an escrow refund check from XXXX XXXX XXXX XXXX  into my TCF checking account. 

The teller deposited my check, I withdrew {$300.00} from the {$2000.00} total and left the bank. 

Within an hour, my bank account dropped to - {$810.00}. I called the bank asking for an update about what could possibly be going on with the funds? They said that there was a " double hold '' on the account and that by the next day the remaining funds should clear as my available balance was {$1700.00}. 

Later in the evening, my account we down to - {$2100.00}. ( More than what was even deposited. ) My account was then frozen for the week. I was sent 3 different pieces of mail. One piece said that my account had been overdrawn by $ XXXX and that I would be facing overdraft fees. 

The next piece of mail said that the bank has placed a hold on the deposit because " it had confidential information saying that the check would not be cleared for deposit. '' But, that the funds would be available on XX/XX/2020. 

The last piece of mail was a " stop payment '' slip from TCF in the amount of {$2000.00}. 

I went to XXXX XXXX XXXX XXXX  and asked them if they stopped payment on the check. They did not. I did not stop payment on my check and TCF claims they did not stop payment, but to go back to the issue to ask. I did. They didn't stop it. 

I received a bank statement showing that {$2000.00} went into my account and {$2000.00} went out of my account. 

My account isn't shut down. I haven't been flagged for fraud. No one reported the check as fraudulent. 

I have had to go into TCF every month for at least 6 months to complain about overdrafts/unauthorized charges/miscalculations/money being deposited but taken out of my account for services I already canceled, etc.

Everytime, I received a placated answer from bank employees that literally turned my issues with the bank around on me ; ultimately making it look and sound like I just couldn't manage my finances or add correctly.

I'm done, TCF. Where did the funds from my deposited check go?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are both indicating that I am disputing the account with XXXX XXXX and I am not. I requested they remove the verbiage that the account is in dispute and it still reports that. This thing hasn't been disputed in almost 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Repeat calls to my place of employment. 

On average 5 calls a day From XX/XX/XXXX - XX/XX/XXXX Asked them to not contact my employer, but they ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: GA

Complaint narrative:
First, I had problem getting my credit report. They ask questions and I know that I answered them correctly. Then they wanted me to verify my identity by uploading my drivers license and a bank statement via online. The files were well under the size limit this did not work Subsequently, they did send me my credit report.

Now, I am trying to lift a security freeze on my account temporarily. I know that I answered the questions correctly. I called my bank and got the term length of my auto loan. The second question was the bank of my auto loan. Obviously, I knew that because I just called. The last question was the last four digits of my cell number. I certainly know that. 

Now, they want me again to mail in documents to verify my identity.

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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, my identity was compromised. It started with my personal email being hacked. My personal XXXX XXXX XXXX account was compromised, my XXXX XXXX card, my XXXX XXXX card, my XXXX XXXX card, my XXXX  credit card, all of my store credit cards. There was a {$10000.00} XXXX  credit line opened in my name. I was able to get all of the above resolved without a problem. My credit was pulled to try to get preapproved for a mortgage about a month ago, on my credit report is a XXXX account that I have not used since XX/XX/XXXX. This account now has open from XX/XX/XXXX, as well as another XXXX credit line for {$2500.00} from XX/XX/XXXX. XXXX will not speak with me because all of the account information is now different. They transfer me to their fraud department and then I get hung up on, because I can not verify the new information. The address has been changed, the phone number has been changed. I've opened disputes with XXXX  and XXXX, but have not received any response. I can not reach a live person with Experian to file a dispute for both of the accounts from XXXX and XXXX  that are not valid.

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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has continued to report an account after being given all necessary documentation and proof that the debt is not owed to the company. The matter has already been to court and a letter was provided from the courthouse. No money is owed to the collector. It was an illegal eviction.

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 2020-01-24 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: WA

Complaint narrative:
I contacted both Experian, and XXXX multiple times since paying off an XXXX XXXX XX/XX/XXXX. I provided documentation from XXXX to Experian on XX/XX/XXXX showing the account was paid in full XX/XX/XXXX. Experian contacted XXXX XX/XX/XXXX, despite my documentation, who incorrectly reported that the balance was correct, when it was already paid and closed, reflecting it paid and closed in both confirmations sent to me, and in my XXXX account management. I re-disputed the account, providing the documents again. Experian re-closed the dispute XX/XX/XXXX, claiming again that they " confirmed with the XXXX lender that the information is correct. ". I again reported it as closed/XXXX  balance, providing the documents a 3rd time. I contacted XXXX on XX/XX/XXXX, requesting they update the information immediately. They sent a confirmation of receipt of my written request stating they would respond in 24 hours. They did not respond. I have submitted a 4th dispute with document with Experian. This is getting ridiculous. When a consumer provides proof, how can they unilaterally ignore it and go with a dishonest report from a company? This account is closed and XXXX balance. Furthermore, another account by XXXX is reporting XXXX paid off when 3 payments have been made. These companies are adversely reporting incorrect information and the credit bureau is not fixing their error when the have been provided proof 4 times. How are they doing this? I want my information corrected, and ignoring a dispute with documented evidence is unconscionable. They also refused to remove 2 inquiries that were not mine or authorized by me, addresses I have never resided at nor used, incorrect names that I have never used, and they refuse to correct the information. I can not believe that companies like Experian, who have control over consumers lives, have no accountability to the consumer. I think this is something that needs to be addressed. When a consumer provides proof that information is incorrect, it should 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 2020-01-24 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: GA

Complaint narrative:
I settled a XXXX  XXXX collection balance with a law firm. ( Account number XXXX ) I attached the SETTLED IN FULL letter to the disputes at the bureaus. The bureaus left a balance on the file. This is a violation of my rights under the Fair Credit Reporting Act. 

According to Section 611 ( a ) ( 1 ) ( A ) of that law : Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The key phrase in that paragraph is : " RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE '' The current status is that the balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
You keep saying you verified a bankruptcy with XXXX XXXX yet I have attached documentation showing XXXX XXXX couldn't even verify the information and removed any implication from my file yet you keep leaving it on my report. I AM GOING TO FILE SUIT UNLESS THE ACCOUNTS ARE REMOVED. I have proof and documentation from ALL the original creditors stating they have no contracts with me and or can't verify the information so who did you verify with? You continue to use E-Oscar to " verify '' inaccurate information and continue to leave it on my report. This is my LAST time trying to correct this then you force my hand to file suit and seek damages and {$1000.00} per violation.

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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Information Services, Inc
State: AL

Complaint narrative:
My background report in my criminal history is wrong I have never been convicted  of any felony  at this time nor have I ever. And it claims i am guilty of two XXXX  in the first  and 6 pending?? GSI needs to understand the negligence on their part and understand this is someone's life they are reporting not nothing less and they hold it in their hands when we dont get a job or loose a job cause of them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: IN

Complaint narrative:
In XX/XX/XXXX I opened up a loan with World Finance in  XXXX Indiana. I did really well making my payments until late XX/XX/XXXX I took time off from work due to health reasons and have been out of work ever since. At the time I did explain to them why I had not been making payments and that I could not afford to make any payments at all because I was not working. They did not continue to contact me up until late XX/XX/XXXX. I do apologize I do not have an exact date. A lady from the office in XXXX Indiana called me and told me that she is charging off the account as a negative account. I tried to again explain to her that I had spoke with someone before and told them that I was not working at the time. She then informed me that I should have been more responsible because she is not responsible for the loan, that I am responsible for the loan and paying it back. She then stated I could have used the insurance for the payment protection plan that I had but I never knew that it was in my contract as I do not have access To my contract at the moment. I explained to her that no one told me about that option and she stated that it was too late to use it. She then asked me am I going to pay the balance in full or she will just charge it off and send it to collections. I told her that due to my circumstances of being out of work I would not be able to make the payments at this time. She then told me that they could come after me for my federal and stage taxes. I meant to file this complaint a couple of months ago but it slipped my mind up until I recently viewed my credit report. Im pretty sure all of the calls are monitored and recorded at the XXXX location just like all calls for any company are monitored and recorded by any company such as world finance. I would like someone to pull the tape to find out the representative who threatened to take my taxes. Since then World Finance has not attempted to call me and collect any debt the only time they call me is to ask to speak to someone that I know that also has a loan through them that use me as a reference not once have they called me about my own loan with them. I am happy to pay the debt as long as they remove the negative remarks and negative charge offs from my credit report. I will also be filing a complaint with the XXXX and the attorney generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM

Complaint narrative:
I keep receiving notice of a debt I do not owe.

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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
You keep saying you verified a bankruptcy with XXXX XXXX yet I have attached documentation showing XXXX XXXX couldn't even verify the information and removed any implication from my file yet you keep leaving it on my report. I AM GOING TO FILE SUIT UNLESS THE ACCOUNTS ARE REMOVED. I have proof and documentation from ALL the original creditors stating they have no contracts with me and or can't verify the information so who did you verify with? You continue to use E-Oscar to " verify '' inaccurate information and continue to leave it on my report. This is my LAST time trying to correct this then you force my hand to file suit and seek damages and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
You keep saying you verified a bankruptcy with XXXX XXXX yet I have attached documentation showing XXXX XXXX couldn't even verify the information and removed any implication from my file yet you keep leaving it on my report. I AM GOING TO FILE SUIT UNLESS THE ACCOUNTS ARE REMOVED. I have proof and documentation from ALL the original creditors stating they have no contracts with me and or can't verify the information so who did you verify with? You continue to use E-Oscar to " verify '' inaccurate information and continue to leave it on my report. This is my LAST time trying to correct this then you force my hand to file suit and seek damages and {$1000.00} per violation.

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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XX/XX/XXXX, my identity was compromised. It started with my personal email being hacked. My personal XXXX XXXX XXXX account was compromised, my XXXX XXXX card, my XXXX XXXX card, my XXXX XXXX card, my XXXX   credit card, all of my store credit cards. There was a {$10000.00} XXXX credit line opened in my name. I was able to get all of the above resolved without a problem. My credit was pulled to try to get preapproved for a mortgage about a month ago, on my credit report is a XXXX account that I have not used since XX/XX/XXXX. This account now has open from XX/XX/XXXX, as well as another XXXX credit line for {$2500.00} from XX/XX/XXXX. XXXX will not speak with me because all of the account information is now different. They transfer me to their fraud department and then I get hung up on, because I can not verify the new information. The address has been changed, the phone number has been changed. I've opened disputes with Transunion and XXXX, but have not received any response. I can not reach a live person with XXXX  to file a dispute for both of the accounts from XXXX and XXXX that are not valid.

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 2020-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Ria Envia, LLC
State: NJ

Complaint narrative:
I've tried to do international money transfer using " https : //www.riamoneytransfer.com/ ''. I've used my XXXX XXXX savings account as source for the payments. In order to verify my account through ACH process, Ria was supposed to post 2 small deposits smaller than {$1.00} and 2 debits for the same amount.

Due to some technical.software issue Ria posted 6 credits and 6 debits on my account for verification. These excess no. of transactions triggered the fees on my savings accounts. Ria posted 8 excessive transaction than required and my bank  charged me 6 times the fee of {$9.00}, totaling {$54.00}. 

I've reached my bank first if they can waive these charges but of no help. 

I've reached Ria more than 5 times so far starting from XX/XX/2019 and I was told they are looking into the issue and I'll get credit in 2-3 business days. I'm hearing the same response for the last 45 days. So I'm complaining here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had my commercial lender pull my credit for the commercial building I'm buying for my medical practice. I was shocked to find out Wells Fargo reported me 30 days late and past due for XX/XX/2019. After further investigation and contacting Wells Fargo, I found out that my automatic bill pay with my bank was somehow canceled. When this payment did not arrive at Wells Fargo, I was not properly notified. My communication preferences with Wells Fargo are set for email only. I was very clear with Wells Fargo about this because I am a very busy XXXX, I run a XXXX XXXX and own several XXXX XXXX. Because I am rarely home, my communication preferences were set to email only, yet I did not receive an email from Wells Fargo nor did I receive a notification in the mail. If I had been properly notified by email that the payment did not post I would have been able to make a manual payment prior to becoming 30 days delinquent. Because I was not properly notified, Wells Fargo reported me 30 days late to the credit bureaus and causing a significant drop in my credit scores. My scores dropped to a point where I no longer qualify for the financing on my commercial building.

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