vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens Bank, One Deposit Checking Account # XXXX was overdrawn {$35.00} on ( XX/XX/18 ) by two items paid by Citizens against my account settings, prohibiting overdrafts. I attempted to cover this overdraft that evening, ( XX/XX/18 ) at their XXXX XXXX XXXX, XXXX, OH, XXXX location, which was off-line that evening due to " communications issues ''. 

An overdraft notice was issued to me by Citizens via e-mail on XX/XX/18, and ATM deposits to cover the overdraft were made that day, leaving a positive account balance of {$2.00} until fees were piled on. 

Two {$35.00} overdraft fees for a total of {$70.00} were applied overnight XX/XX/18, again throwing the account into an overdraft condition, because of the service charge fees. An SSI direct deposit of {$550.00} was made XX/XX/18 leaving me with a positive ledger balance of {$490.00}, even after the {$70.00} erroneous overdraft fees had been applied. 

I went to their branch at XXXX XXXX XXXX, XXXX, OH, XXXX on the afternoon of XXXX to clear up this issue, and was directed to their XXXX Customer Service Line, as the branch manager did not have the authority to reverse my overdraft fees. 

After a wait exceeding 12-minutes I finally got connected to Citizens CSR, who then put me on hold for a couple more minutes before a " Supervisor '' who had the power to refund the overdraft fees could be found. She confirmed the technical issues with ATM on XX/XX/18 which prevented my deposit to cover the overdraft, and I was offered and accepted {$35.00} credit for the {$70.00} overdraft fees on XX/XX/18, which was immediately applied to my account, and should have closed the case. 

On XX/XX/18 I found I had been assessed and additional {$30.00} " sustained overdraft charge '' overnight that was posted on XX/XX/18, after our fee credit agreement. I had a positive balance of {$520.00} on XX/XX/18 and would have had a positive balance the whole period XXXX if their XXXX XXXX ATM had been functional and the XXXX XXXX Holiday had not intervened. 

On XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12 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: NY

Complaint narrative:
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Transunion and XXXX/XXXX   with no successful resolution. Transunion only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

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 2018-07-12 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: NY

Complaint narrative:
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Transunion and XXXX/XXXX  with no successful resolution. Transunion  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

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 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
The company Diversified Consultants sent a letter saying that I owed a debt and that I had a certain amount of time to respond before reporting to credit bureau. I responded with a validation of debt letter. They sent me a one page statement allegedly from the phone company. This alleged bill had my name as well as someone else 's name. I have never shared a phone bill account with anyone. This statement did not verify this debt belonged to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I filed a previous complaint on this XXXX XXXXSynchrony Financial. I have 2 cards with them. Now I am having problems with the 2nd card-Care Credit/XXXXXXXX XXXX. This company decreased my limits for NO REASON AT ALL. NOTHING HAD CHANGED AT THE TIME THEY DID THIS FROM THE CONDITIONS or CRITERIA THAT THEY ALLOWED ME THE CARD INITIALLY. ACCEPT MAYBE I DON'T USE IT ENOUGHT FOR THEM. I FEEL THAT THEIR INTENTIONS WERE TO DO THIS, AFTER GETTING ME LOCKED INTO THE CARD and or in retaliation from my last complaint and deny me THE LIMITS I HAD when I contacted them yesterday Wed XX/XX/XXXX at XXXXXXXX XXXX-the phone rep. I HOPE SHE DID NOT RUN MY CREDIT BECAUSE I DID NOT GIVE HER PERMISSION!! IT WENT FROM A LIMIT OF XXXX TO XXXX. NO REASON I'VE USED THE CARD ONLY 2X SINCE TAKING OUT IN XXXX BECAUSE NEEDED SOME EMERGENCY DENTAL WORK and it also offered an opportunity to begin to re-build my credit NOT HURT IT LIKE THIS ACTION IS DOING. I wanted to begin to rebuild my credit after coming out of a bankruptcy as a result of an injury and I am currently on Social Security XXXX. I feel this company took advantage of me. I have NEVER been late on my payments and have a 100 % payment rating on my credit report. THE REP TOLD ME MY CREDIT WAS REDUCED BECAUSE XXXX  CALLED THEM AND TOLD THEM TO DO SO?? I HAVE NEVER HEAR OF THIS. I ASK FOR INFORMATION FROM WHEN THEY INITIALLY APPROVED THE CARD AND WHEN THEY MADE THIS DECISION to reduce my limits. THEY WOULD NOT OR COULD NOT PROVIDE IT. IF THEY DID THIS TO ME THEY ARE DOING THIS TO OTHERS. I HAVE 2 CARDS WITH SYNCHRONY, THE other card DID NOT CHANGE MY LIMITS?? WHAT THIS HAS DONE IS IT HAS IMPACTED MY CREDIT AND NOW MAKES THIS ACCOUNT SHOW THAT I AM OVER EXTENDED IN IT'S USE AT 100 % WHEN IT WOULD BE 40 % HAD MY LIMITS NOT CHANGED. THIS IS ETHICALLY WRONG!. I CAN'T WAIT TO GET RID OF THESE CARDS! I DONT WANT THE INCREASE TO USE JUST TO HELP MY CREDIT!. I WILL PAY THIS CARD OFF BEFORE I USE IT AGAIN!! TELL THE PUBLIC CONSUMER ... DO NOT DO BUSINESS WITH ANY ENTITY ASSOCIATED WITH A XXXX XXXX/SYCHRONY FINANCIAL OR CARE CREDIT SYCHRONY BECAUSE THEY ARE THEIVES AND CON ARTISTS!!! THEY HAVE THIS HABIT OF COMBINING SEPERATE PURCHASES ON THEIR CARDS SO PEOPLE OR TRICKED OR MANIPULATED INTO PAYING OUTRAGES FEES AND INTEREST WHEN THESE " PROMOTIONS '' ARE NOT PAID TIMELY. YOU DON'T KNOW IF YOU ARE PAYING ON A PROMOTIONAL BALANCE OR NOT BECAUSE THEY LUMP THEM ALL TOGETHER.

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 2018-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
I received an alert regarding a new collection on my credit report yesterday. I looked and it was for Midwest Recovery Systems. I called XXXX  and XXXX right away and filed a dispute. I called Midwest and they tried to tell me it was from XXXX/XXXX XXXX  from XX/XX/XXXX and I was paying on it from XX/XX/XXXX-XX/XX/XXXX from my bank account and my bank verified this. I have called my bank and there is no record of a loan from XXXX. Back in XX/XX/XXXX I had to dispute two accts from Midwest for two payday loans for {$1000.00} each. Now this one is saying its a payday loan in the amount of {$1000.00}. I find the amount from the same place very close and fishy. The two accts were found out to be frauds when i reported them to you and to my credit reports. This is getting ridiculous how they can just fall on your credit report when they are scams. Im trying to rebuild my credit and they keep knocking me down. I have XXXX Midwest REcovery systems and they are known for doing this to people. The lady from Midwest hung up on me last night when i told her this was a scam. They have not tried to contact me via phone or mail regarding this debt. It just showed up on my credit report. I want this removed from my credit report. There needs to be some sort of block for these companies. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery system told me that I get a loan from pay day loan back in XX/XX/2015. It was check to cash in XXXX XXXX. I told them that was not me, if I got a balance from the creditor why they don't send the bill to my house or call me. They never send any bill or call. I am buying a house, trying to get a pre approve letter that is how I find out from my loan office told me. I need it to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
I had XXXX of XXXX  without a XXXX and the XXXX were dropped, and checkr reported to XXXX that I was XXXX this is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On or about XX/XX/2018, Citi sent a credit balance check to me for {$23.00}. I have been making payments and charges for weeks. The reason stated was that I requested the return, which I did not. 

I had made a {$3.00} parking charge to that card on or about XX/XX/2018. This charge was not deducted prior to sending me a check. This would mean that I would have been responsible for late charges and interest charges, which I have not yet looked to see if they were charged or not. If the charge was made 4 days prior to them sending a check a did not request, this amount should have been deducted from the credit balance. 

Federal law says they are supposed to contact me to see if I want a refund of a credit balance that remains at 6 months. If I am charging and paying intermittently, how are they determining a balance remained for 6 consecutive months. New charges should be deducted from the oldest credit balance.

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 2018-07-12 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: NJ

Complaint narrative:
Persons in charge, I am filing a complaint against credit bureaus about inquiries on my credit reports that were not authorized by me. A few years back my credit had been compromised because my identity was stolen. I have made several attempts to get this rectified with the credit bureaus and have not been able to get satisfactory results since these inquiries were unauthorized. 
Equifax is reporting a total of 13 inquiries. Four of which I am responsible for are listed below as : XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX , XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX/XXXX  XX/XX/2018 I have contacted Equifax to resolve this issue and even with a fraud alert placed on my report my credit is still being pulled without proper authorization. 

My XXXX report shows 19 inquiries. 
3 of the 19 were authorized. 
XXXX XXXX, XX/XX/2018 XXXX XXXX , XX/XX/2018 XXXX   XXXX, XX/XX/2018 The only inquiries authorized on my XXXX is XXXX XXXX XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am writing the letter with help of my financial aid reward. I was charged for the following Transportation total - {$1600.00} Meals total - {$2.00}, XXXX Miscellaneous total - {$1800.00} Room total- {$13000.00} I drive to and from school when scheduled. I never received a room I have my own home and miscellaneous! The University over charged me for XX/XX/XXXX-XX/XX/XXXX and for XX/XX/XXXX-XX/XX/XXXX for the same amount totaling XXXX. I need this issue resolved ASAP. I am sure I am not the only student that has this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX system told me that I get a loan from pay day loan back in XX/XX/2015. It was check to cash in Compass bank. I told them that was not me, if I got a balance from the creditor why they don't send the bill to my house or call me. They never send any bill or call. I am buying a house, trying to get a pre approve letter that is how I find out from my loan office told me. I need it to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
My due date for my XXXX XXXX  issued XXXX credit card monthly payment was XX/XX/18. On the evening of XXXX, approximately XXXX, I logged on to make my payment. Although I did not know this at the time, the company has an XXXX EST cutoff to schedule same day payments, so I was forced to pick the following day as my date, so I was charged a late fee. When I called the company, they admitted that I have an excellent payment history with them, so they said they would take off {$15.00} of the {$27.00} fee. I replied back that the entire fee should be removed as I was not late with my payment- they said their policy was to " never remove late fees. '' This is a deceptive and fraudulent practice- by removing any portion of my fee, they are admitting fault. Why aren't they able to remove the entire fee? They are able to, they just don't want to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX i sent in a Cease to stop with drawling from my bank on XX/XX/XXXX XXXX responded advise it was honored. on XX/XX/XXXX Money Lion still with drew XXXX out of my bank and tells me my email was placed on another account that's why payments were not removed and now they can not refund my money after i spoke to a gentlemen who told me it was approved to be refunded i have all the documents proving i sent in a cease and it was placed on the wrong account

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 2018-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
For the last 10 years I've had my Federal student loan serviced by XXXX. Never did I have any issues with them. 

Last month they switched over to American Education Services or AES. 

AES sent me 1 letter saying the loan was going to switch to their company and that I shouldn't have to do anything additionally. 

I have automatic payments applied to this loan. {$240.00} comes out of my bank account on the XXXX of every month. AES took over my loan beginning of XX/XX/XXXX and they took out {$240.00} on XX/XX/XXXX as they should have. 

Then I noticed another charge of {$240.00} come out of my account on XX/XX/XXXX. There was no authorization and no notice of an addition payment to be made, it was very quietly taken from my account. 

After contacting AES they said there must have been an accounting issue on their end and it would take 7-10 business days to refund that payment. 

I contacted my bank to refund that payment immediately and was hoping to be done with the ordeal. Then, yesterday, XX/XX/XXXX I received an email from AES saying my account was delinquent and I owed them {$490.00} on my account. 

I contacted them immediately and asked them why they are requesting a double payment after having taken out my regular payment on XX/XX/XXXX. They claimed to have refunded both my XX/XX/XXXX payment ( which had already been paid ) plus the mistake they made on XX/XX/XXXX. 

Because of their mistake my account is now considered " delinquent '' which I've never had for the entire 10+ years of my loan. Not only do I have to make sure I have those funds corrected in my account but I have to hope my XX/XX/XXXX auto payment is taken out correctly and a double payment is not charged again. 

I did not want my loans to transfer to another company in the first place and I'm very disappointed with AES and their accounting practices, intentional or not. 

If these issues continue to occur I think American Education Services should be investigated for predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: NJ

Complaint narrative:
Persons in charge, I am filing a complaint against credit bureaus about inquiries on my credit reports that were not authorized by me. A few years back my credit had been compromised because my identity was stolen. I have made several attempts to get this rectified with the credit bureaus and have not been able to get satisfactory results since these inquiries were unauthorized. 
XXXX is reporting a total of 13 inquiries. Four of which I am responsible for are listed below as : *XXXX  XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX , XX/XX/2018 XXXX XXXX, XX/XX/2018 *XXXX XXXX/XXXX  XX/XX/2018 I have contacted XXXX to resolve this issue and even with a fraud alert placed on my report my credit is still being pulled without proper authorization. 

My Transunion report shows 19 inquiries. 
3 of the 19 were authorized. 
XXXX XXXX, XX/XX/2018 XXXX XXXX , XX/XX/2018 *XXXX   XXXX, XX/XX/2018 The only inquiries authorized on my XXXX  is XXXX XXXX XX/XX/2018.

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 2018-07-12 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: NJ

Complaint narrative:
Persons in charge, I am filing a complaint against credit bureaus about inquiries on my credit reports that were not authorized by me. A few years back my credit had been compromised because my identity was stolen. I have made several attempts to get this rectified with the credit bureaus and have not been able to get satisfactory results since these inquiries were unauthorized. 
XXXX is reporting a total of 13 inquiries. Four of which I am responsible for are listed below as : *XXXX  XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX , XX/XX/2018 XXXX XXXX, XX/XX/2018 *XXXX   XXXX/XXXX XX/XX/2018 I have contacted XXXX  to resolve this issue and even with a fraud alert placed on my report my credit is still being pulled without proper authorization. 

My XXXX report shows 19 inquiries. 
3 of the 19 were authorized. 
XXXX XXXX, XX/XX/2018 XXXX XXXX , XX/XX/2018 XXXX   XXXX, XX/XX/2018 The only inquiries authorized on my Experian is XXXX XXXX XX/XX/2018.

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 2018-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: IN

Complaint narrative:
I was contacted by Ameritech Financial and fell for their scam. In the beginning everything seemed very legitimate, but I recently received a letter in the mail from the FTC about a law suit against Ameritech. I looked into my account further and I realized they were only paying the bare minimum payments toward my account and keeping the remainder of my payments. They also said that after so many months my payments would go down and they never did. I called to cancel my payments, but the company has had so many complaints they can't get to my service request. I contacted my bank provider to cancel all payments to this company, but I am worried about how much information they have of mine.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
An account with XXXX XXXX XXXX from XX/XX/XXXX in the amount on {$380.00} that was due to fall off ( or already has ) was illegally re-aged in XX/XX/XXXX. I sent a dispute to Equifax and they closed the investigation without any information on why it was not deleted. I re-submitted the claim and still not information and being unresponsive. 

It has already been removed from XXXX.

Company response to consumer: Closed with explanation