vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On XX/XX/2017, I received a settlement check from XXXX XXXX XXXX for repairs on the subject property. It is the common practice for the lender to either endorsed the check and return to the homeowners, pay directly to the contractor, or issue draws upon receipt of work completed. Pursuant to the promissory note, the homeowner has every obligation to protect the property. The check was sent to servicer BB & T multiples times to no avail. The servicer claims they can not find my account on their records. XXXX XXXX has issued more than 4 checks, and all have expired due to BB & T negligence. On XX/XX/2017, my line of credit with BB & T reached its maturity date. I meet with BB & T officials to either extend the credit limit or refinance. While the application was on going BB & T filed a foreclosure action then said could not proceed with the application. Ive never missed any payments in fact till today I'm making payments and being return by the servicer. The servicer is using this excuse to claim they can not find my name or loan number with their company. My roof needs repairs before it falls on my head.. See attached BB & T correspondence refusing to even acknowledge that I have

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 2019-08-02 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: HI

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX   account number XXXX. ( Please see page 7 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi, I called to obtain available retention offers for my Citi AAdvantage credit card and the representative inadvertently closed my account. She misheard my request to listen to retention offers as an authorization to close my account. She did not ask for confirmation to close my account and admitted fault after submitting the closing request. 

Representative name : XXXX XXXX tracking number : 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 2019-08-02 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: HI

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX  account number XXXX. ( Please see page 7 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit 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
Consumer complaint received 2019-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I am XXXX and have worked hard to not have a Mortgage payment paid late in over 3 years.I plan on buying soon. XXXX XXXX XXXX and US Bank refuse to redeposit an ACH which was returned in error due to a stop payment placed months ago on another payment and they referenced it.

On XX/XX/XXXX I had to put a stop payment on a ACH payment with XXXX XXXX XXXX for a US Bank Home Mortgage Payment, as it was for the wrong amount. We submitted another payment right after that with US Bank Home Mortgage during the same month for a different amount for that XX/XX/XXXX payment. It went through fine.

On XX/XX/XXXX we put through another mortgage payment for the Mortgage with US Bank, it went through my personal account fine. This morning XX/XX/XXXX it was withdrawn from my account the mortgage wasn't paid. There was money to cover it in the account.This will result in a 30 day late on my good credit.

Bank of America puts a permanent hold when you stop payment to that company an it was for that amount -the same as the original stop payment -- so you are in trouble as its the same amount and as it will be returned into the future until you remove it.

I called both companies spoke to XXXX ( who took the hold off ) then to a supervisor XXXX with US Bank on the line with me. US Bank asked XXXX XXXX XXXX to put the ACH threw again so it would not hurt my credit. But they refused to do it. The hold times with XXXX XXXX XXXX for people who work are unbelievable.45 minutes to 1 hour where is someone needs to reach them they can not if they work or have their own business.

I have paid my Mortgage each month for over 3 years and this was out of my control as XXXX XXXX XXXX returned the Mortgage due to the last Stop payment on the ACH and US Bank will not put it through again nor will XXXX XXXX XXXX. The reason is they like the fees with customers who have damaged credit as every loan they supply is at a higher interest rate. I need this corrected and they refuse to discuss it I have called 3x to each entity.

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 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CO

Complaint narrative:
I had a lease that i had to break because i was diagnosed with XXXX and had to move for treatment. I sent them a letter but because the letter wasn't certified then they said i couldn't break the lease. They did rent it out after i moved out though and then charged me XXXX to a collection company.. They have refused to send me a letter detailing why it was so high. I've tried to negotiate and resolve the matter to no avail and it is now keeping me from buying a house. Please 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 2019-08-02 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: NJ

Complaint narrative:
Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXXand XX/XX/2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me. Account # XXXX in the amount of {$810.00}. A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires verification through the PHYSICAL verification of an original signed consumer contract and not an Electronic or XXXX   verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records. To which I have recieved verified as accurate without recieving the documentation that I have requested which I am entitled to by 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 2019-08-02 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: Professional Medical Management, Inc.
State: GA

Complaint narrative:
Ive contacted Financial Recoveries several times attempting to address the accounts on my credit report. Every time I contact them another amount is added to my account. Last time I contacted Financial Recoveries on Friday, XX/XX/2019. I tried to obtain information about the account but they could not tell me anything except for amount they are requesting. I never received a bill stating these amounts. I tried disputing the accounts, sent letters and they were ignored. The account is fraudulent and should be removed from my credit report. What are the amounts for? When did services occur?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have Bank of America debit card.I travelled to XXXX on XX/XX/XXXX and returned back to USA on XX/XX/XXXX. I have been using by debit card in XXXX  ( informed bank before travel about that and took permission ) for which i was also charged international transaction fee. I was carrying the card with me and my details are not stored any where. But during the period i was in XXXX  there was ATM with-drawl from my account o XX/XX/XXXX of amount {$400.00} ( two times ) .I did not receive text message as i my USA number wont work in XXXX  . And again when i came back to USA there was two more transactions of {$500.00} on XX/XX/XXXX and reported immediately that it was not authorized.So total amount of {$1800.00}. I reported to bank and i told them i don't have any cards which even they know because they never provided or i never requested them to. They processed my complaint and they are saying that it is authorized charges. I have a proof of iteanrry that i travelled and bank transactions that i was using my card in XXXX  to prove that this ATM with-drawl is fraud and not authorized. Please help me to get back my funds.

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 2019-08-02 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: Financial Data Systems
State: NC

Complaint narrative:
Financial Data Systems is claiming I owe them {$300.00} and {$40.00} from a debt they purchased from XXXX XXXX XXXX, which is not an account I ever had - nor are they reporting to my credit report. They are reporting false information to my credit report. I do not recognize this debt and they are unable to provide anything bearing my signature showing that I have any contractual obligation to pay them. I've contacted the company twice to fix this error and they are non-compliant. The first attempt, they received my dispute by certified mail on XX/XX/2019. The second attempt was again through certified mail, their receipt of my dispute showing XX/XX/2019.

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 2019-08-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: STATE FARM BANK, FSB
State: PA

Complaint narrative:
I am retired and am XXXX years old and do not receive Social Security I established an IRA account with State Farm Bank ( account # XXXX  ) three years ago XX/XX/XXXX The account was a 3 year CD yielding 1.7 % annually Before maturity XX/XX/XXXX I called State Farm Bank to notify that I was not renewing the CD No recommendations were given to me at that time in early XX/XX/XXXX When Protective Annuity requested a rollover Directly thru State Farm Bank authorized by myself the account balance was {$140000.00} on XX/XX/XXXX at rollover to Protective Insurance Then State Farm only transferred {$140000.00} they claimed that the " CD renewed for a few days " and that {$3600.00} in penalties had been taken from my retirement Account I though there was an error After speaking with State Farm Bank these appear to be predatory penalties since most Banks charge 90 days interest if you break a 3 year CD which I have never done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Complaint : I'm complaining against Experian. They are an impossible company to communicate with when there is an issue. I've tried contacting them for two days ( 8.1 and 8.2 ) and there is only an automated phone service with very few options available that don't match my needs. Background : A few days ago I applied for a credit card and was stunned that I was not approved. I have a good credit score and have always been responsible with my credit. I also make good money. I started getting nervous because my information was part of the XXXX XXXX breach of 100,000 customers and I was part of the Experian breach recently, too. I'm worried that fraudulent activity had occurred with my information. I found out that a credit card I applied for used Experian as their agency to check my credit status and decide whether to give me a credit account or not. So, I went directly to the Experian website to sign up for {$1.00} credit report. I tried about 8 different times to create an account and buy my report. ( I'm terrified of identify theft! ). However, each time I filled out information, the system failed and screen popped up that said, " We are unable to verify your identity. '' Therefore, I couldn't access my report. How can this be? I entered my Social Security number, my address, my credit card info to buy the report, and they can't identify me? What more do they want? Then, I was really paranoid of ID theft. So, now, I can't speak to anyone about my current credit report from an agency that manages my credit report to see IF THERE'S FRAUD?!! This makes no sense.

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 2019-08-02 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: FL

Complaint narrative:
Despite numerous disputes to the Equifax, XXXX and XXXX consumer reporting agencies, these companies continue to report a fraudulent XXXX XXXX account under account number XXXX. Not only have I forwarded copies of my driver license and FTC Affidavit, I have forwarded a verified police report. Each of these companies have refused to investigate and block reporting of said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Became aware I was a victim of identity theft on XX/XX/2018. Reported to police XXXX and to IdentityTheft.gov # XXXX. 
Followed procedures outlined sent registered letter notifying them of the fraudulant charges on my account. They reviewed then sent a form letter denying my claim and returned the charges to my account. All the other institutions upheld my claim.

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 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I found a account from Capitol One on all three of my credit reports as delinquent. I only have one Capitol one card on my report which belongs to my mother and I am a authorized user. This other card credit limit {$300.00} I have no knowledge of and have been disputing it for about three months now. I disputed with all three credit bureaus, I filed a complaint with the XXXX as well as with Capitol One. I received a letter from Capitol One on XXXX XXXX, 2019 stated that they performed an investigation and confirmed that the account ending in XXXX was opened online and after the performing their review they believe the account belongs to me for the following reasons. ( 1 ) The contact information used to open the account has been linked to me by public records. 
A- My address B- My Phone Number C- My ss # and date of birth There for I'm left with a negative mark on my credit from a card I never had nor asked for. On XXXX XXXX 2019 I saw on the news that XXXX year old XXXX XXXX hacked capitol Ones system. There was a data breech with Capitol Ones system and 100m affected in the U.S and 140k social security numbers was compromised. The information that was stolen was Names, addresses, zip codes, emails, dates of births. The same information that Capitol is stating they used to connect this account to me. Im not stating that XXXX or whom ever she was connected to is the cause of my problem with this company, but I do know that I never applied for this credit card and NEVER used it. There for I should not be responsible for it and my credit reports should be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I visited XXXX XXXX  on XX/XX/XXXX to order this year 's free credit reports. As was the case last year, all reports requested were received w/o incident except for Experian. As such, CFPB Complaint #  XXXX was filed on XX/XX/XXXX. Although Experian promised to mail the requested report in its XX/XX/XXXX response, I'm yet to receive it. 

Since my XX/XX/XXXX online request for my Experian Credit Report involved many of the same problems documented in the above CFPB Complaint, it looks as if Experian has done little to address the them. Although successful in ordering the report via telephone, I'm also yet to receive my XXXX free annual credit report from Experian. 

As such, I pray that the CPFP will refrain from Closing this complaint w/o proper follow up and/or confirmation that the requested credit report has been received.

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 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank has collected several thousand dollars in overdraft fees from my personal checking account over the course of the year which I find excessive. 

As per the law, the bank could have declined debit and/or POS transactions due to insufficient funds in the account when my bank funds were running low or should have warned me that an overdraft fee would be assessed if I proceeded with the transaction. But instead of this, M & T Bank routinely processed such transactions and charged me an overdraft fee of {$38.00} per transaction, even if the transaction is for only a few dollars. This is designed and intended just to increase overdraft fee revenue. 

This practice is a violation of New Yorks consumer protection laws and also its implied contract of good faith and fair dealing in M & T 's General Deposit Account Agreement.

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 2019-08-02 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: FL

Complaint narrative:
Despite numerous disputes to the XXXX, XXXX and TransUnion consumer reporting agencies, these companies continue to report a fraudulent XXXX XXXX account under account number XXXX. Not only have I forwarded copies of my driver license and FTC Affidavit, I have forwarded a verified police report. Each of these companies have refused to investigate and block reporting of said 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 explanation
Consumer complaint received 2019-08-02 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: FL

Complaint narrative:
Despite numerous disputes to the XXXX, Experian and XXXX   consumer reporting agencies, these companies continue to report a fraudulent XXXX XXXX account under account number XXXX. Not only have I forwarded copies of my driver license and FTC Affidavit, I have forwarded a verified police report. Each of these companies have refused to investigate and block reporting of said 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 non-monetary relief