vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX Our bank ( XXXX ) was scheduled to pay our mortgage in the amount {$1700.00}. Due to a misjudgment on when a check would clear our payment was returned due to insufficient funds. The following day the check cleared and we scheduled another payment. We learned shortly after that the first payment had been retried and the second payment was now overdrawing the account. We called the bank to explain what happened and asked for them to stop the auto pay as now we were just alternating from being very overdrawn and having a few XXXX in the account. They said there was nothing they could do and that the payment would attempt to go through two more times. 
The additional funds were never there and this process seemed to eventually seemed to sort itself out around XX/XX/XXXX, locking our online bill pay feature in their online banking platform. 

On XX/XX/XXXX we received a call from the online bill pay provider for XXXX and were notified that they put the payment through and that the second {$1700.00} was owed to them ( this seemed very odd to us ) We called our mortgage provider to confirm that they had indeed received two payments. As well as that we would not owe another payment until XXXX. This was confirmed. At that time, we told them we would not have money to pay them ( online bill pay provider ) until Monday, XX/XX/XXXX. 

On XX/XX/XXXX we were planning on calling the bank regarding the several overdraft payments they had charged us ( I believe they have reimbursed two currently ) but upon logging in we discovered that they had again tried withdraw the {$1700.00} again. We spent an additional forty five minutes on the phone today and were told my multiple Santander superviors/managers that there was nothing they could do about it. We were also given no plan for getting the situation resolved. Other than to have the mortgage company send us a check in the amount of the second payment ( which in itself didn't really make sense ). From previous conversation with the mortgage company, this would take 7-10 days. 

This has been not just inconvenient but incredibly stressful given the that this all was occurring the week before XXXX ( and beyond ). We are a family of XXXX that run our own small business. We did not have extra cash to fall back on and for some minor emergencies we have had to rely on the kindness of family to help us out.

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 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Complaint against - Aldridge Pite Haan representing XXXX XXXX XXXX * I received notification from XXXX XXXX, GA - on XX/XX/XXXX about a garnishment that was being enforced. 
*I was not familiar with the debt at the time so I responded to the letter XX/XX/XXXX *I received a follow up notice that indicated I had a court date in response to my letter for a court date of XX/XX/XXXX. 
*I attended the court date and was given a document from the judge of the original civil action document XX/XX/XXXX *This was indeed a debt I incurred during a low part of my past and indeed had a judgement for that I did not recall at the time. I have since found all the supporting documentation for this debt. It was indeed mine in which I was indeed responsible for. 
The first garnishment payment occured XX/XX/XXXX {$400.00} A total of 5 deduction in the amount of {$400.00} along with one additional {$250.00}. 65 were drafted starting XX/XX/XXXX and final draft XX/XX/XXXX. 

So this garnishment has been paid off as of XXXX XX/XX/XXXX. 

On XX/XX/XXXX a letter was drafted by Aldridge Pite Haan , LLP ( same that originated the requested garnishment ) stating they were representing XXXX XXXX and that my debt had been turned over to for collection. Indicated I have 30 days to respond etc. 
Providing an account # XXXX Charge of Balance {$2400.00} Amount off Debt {$760.00} APH file number XXXX Finally stating if I wish to discuss payment arrangement or resolution of the debt to call. XXXX. 

This letter was writtend 4 business days after final garnishment for the exact same debt the just collected final payment on through my garnishment. 

They are using legal letters and legal verbiage to scare someone into paying a debt that they full well know they just collect final payment on. 
The balance of the Civil suit from XX/XX/XXXX is in the amount of {$2400.00} The debt they are claiming is owed is also in the amount of {$2400.00} How many times do they do this to people that have no way of tracking down old documents old debt. How many times are they scaring people into paying debt they have already collected. 

This is wrong. 

They have recently caused much stress to me and my family and this 100 % is not ok that they are trying to fool me into believing I owe for a debt that I have already paid. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and noticed that there was a collection account dramatically impacting my credit report and score. On XX/XX/XXXX, I immediately disputed with all 3 credit bureaus, as I have had no knowledge of this alleged debt. 

Under the FDCPA, I have the right to request validation of the debt that any collection agency states I owe. Further, when an account is in dispute, the collection agency is required to cease all reporting until debt has been investigated and validated. Capital Accounts has not only failed to do so, but has falsified the alleged amount owed, by altering the dollar amount month over month to in a fraudulent effort to collect on alleged debt that is clearly being disputed. 

While this may be minute to some, it infringes on consumers rights and needs to be rectified immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: NV

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$13000.00} on the XXXX XXXX CU partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance reporting is incorrect ; and Second, this account has since been sold to a third party and therefore can not be reporting on my credit report. This is a violation of the Fair Credit Reporting Act and is mandated that this be removed. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: TX

Complaint narrative:
I sent LexisNexis a dispute notification on XX/XX/XXXX and it was delivered on XX/XX/XXXX via USPS with tracking number XXXX. 

LexisNexis however didn't initiate the dispute until almost a week later and still has no answer and continues to report inaccurate information on my CLUE report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Their website is broken and they are not responding to requests to fix it. 

The company has a misconfigured website and I am unable to pay online. Their DNS configuration is wrong and needs to be fixed. I have emailed them several times about this and have had no response. You can see other complaints online about their broken website and it is still not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: NV

Complaint narrative:
XXXX XXXX XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$13000.00} on the XXXX XXXX CU partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance reporting is incorrect ; and Second, this account has since been sold to a third party and therefore can not be reporting on my credit report. This is a violation of the Fair Credit Reporting Act and is mandated that this be removed. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-02 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: NV

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$13000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance reporting is incorrect ; and Second, this account has since been sold to a third party and therefore can not be reporting on my credit report. This is a violation of the Fair Credit Reporting Act and is mandated that this be removed. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm concerned that the freeze on my credit report ( or my credit itself ) has been compromised. When I attempted to access my credit report online and was asked about recent accounts ( which I didn't open ), I was told that the information I entered was wrong. I assume that means that there are loans/cards that someone else opened in my name. Can you help me? All three credit bureaus acted like I was a criminal for trying to understand what was going on. 

I finally got through to the FTC, but it was a series of " press this button '' and " I can not understand what you said. '' Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I received a notice in the mail from Transworld Systems Inc about a debt to XXXX XXXX Hospital. The amount they demanded is the same as the bill I just paid. I called the number of Transworld listed on the letter ( XXXX ) and was asked for my birthdate for " verification purposes '' and I am afraid I have been scammed. The operator told me to disregard the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
I spoke with XXXX ( BB & T corporate investigations ) on XX/XX/XXXX concerning a {$1000.00} wire transfer that came into my account. I now have realized I will suffer financial loss if this wire is reversed. This was fraud outside of my control and I do not give permission for BB & T to debit {$1000.00} from my account and wish to have my remaining funds in all accounts sent to me certified check. 

I have also consulted with my Lawyer concerning this matter and they will get involved if needed pending the outcome. 

XXXX XXXX XX/XX/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 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Their website is broken and they are not responding to requests to fix it. The company has a misconfigured website and I am unable to pay online. Their DNS configuration is wrong and needs to be fixed. I have emailed them several times about this and have had no response. You can see other complaints online about their broken website and it is still not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm concerned that the freeze on my credit report ( or my credit itself ) has been compromised. When I attempted to access my credit report online and was asked about recent accounts ( which I didn't open ), I was told that the information I entered was wrong. I assume that means that there are loans/cards that someone else opened in my name. Can you help me? All three credit bureaus acted like I was a criminal for trying to understand what was going on. 

I finally got through to the FTC, but it was a series of " press this button '' and " I can not understand what you said. '' Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 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: NY

Complaint narrative:
I'm concerned that the freeze on my credit report ( or my credit itself ) has been compromised. When I attempted to access my credit report online and was asked about recent accounts ( which I didn't open ), I was told that the information I entered was wrong. I assume that means that there are loans/cards that someone else opened in my name. Can you help me? All three credit bureaus acted like I was a criminal for trying to understand what was going on. 

I finally got through to the FTC, but it was a series of " press this button '' and " I can not understand what you said. '' Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America has two accounts opened up under my name, one is a Bank of America Advantage Plus Banking ( checking acct XXXX ) and secondly is a Bank of America Advantage Savings ( savings acct XXXX ) that were opened up, just not by me. 

Info on Bank : Bank of America Corp. 
Centralized Account Opening- deposits XXXX XXXX XXXX XXXX , Az XXXX An account for XXXX XXXX Credit accounts was opened ( under my social security # ) I called XXXX XXXX to have it closed, verifying who I was. ( under very fraudulent terms ) XXXX TOLL FREE : XXXX XXXX XXXX XXXX XXXX, WI 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 2020-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WA

Complaint narrative:
Hello, I have been receiving weekly calls from a debt collection agency ( ERC ) regarding a debt owed by my ex-wife. I do not know what the debt is, or how much, yet they somehow have my phone number on file and continually call me asking for her. I have spoken with agents at the company multiple times, yet this keeps occurring. I also block the phone number used to contact me, yet they are still able to get through using a different number. This seems like pretty shady tactics to me. The most recent call took place at XXXX Thursday, XX/XX/20. The phone number used was ( XXXX ) XXXX. I will list other numbers they have used recently below : ( XXXX ) XXXX ( XXXX ) XXXX Please help to resolve this issue - I in no way am responsible for this yet I keep getting harassed. And on a personal note, Im glad someone brings up my divorce on a weekly basis I so I can relive all of that again - not only is this bad business practice but frankly it is disrespectful and insulting that this business is choosing not to respect me and my time or personal life experiences. 

Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL

Complaint narrative:
I attempted a transfer from my checking account, by scheduling it for XX/XX/2019 in advance. Over a week later, I noticed the transfer had not occurred and there was no record of my transfer when I logged into my account. I tried submitting a new transfer, but the system would not let me schedule any transfer that would cause my account to drop below a balance of {$5000.00}. Upon reaching out to the bank, I was told there was a hold on these funds, which I had deposited at account opening over TWO MONTHS earlier, and that there was no expiration date for the hold on the funds. The agent did not attempt to solve the problem. 

It is completely inappropriate, against policy, and possibly illegal for the bank to have an indefinite hold on over {$5000.00} of money in my checking account. According to the bank 's Regulatory CC Disclosure, these funds should be available for withdrawal/transfer by the second business day.

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 2020-01-02 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: PA

Complaint narrative:
I have requested on numerous occasions to reinvestigate and verify the alleged account with XXXX XXXX XXXX XXXX my last attempt was on XX/XX/19. 

I requested to provide me the following : the name, address and telephone number of each person contacted regarding this alleged account. I also requested any formal documents bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Lastly, I requested their method of verification as any automated response or e-Oscar verification is unacceptable. Experian and XXXX failed to provide the requested information and refused to reinvestigate the dispute.

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 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I DO NOT OWE THEM ANYTHING. I WILL NEVER PAY YOU ANYTHING. OVER MY DEAD BODY. I DO NOT WISH YOU WELL. THIS BANK IS EVIL.. IM SICK AND TIRED OF THIS HARASSMENT. THEY WILL NOT HAVE A GOOD END. THIS IS WHY PEOPLE DO DESPERATE THINGS. THIS WAS A SECURED CREDIT CARD. WHAT IS THE {$890.00}? THEY HAVE NOT TOLD ME IN ANY TERMS WHAT IS THE {$890.00}. I WANT THEM TO TELL ME IN NO UNCERTAIN TERMS WHAT IS THE {$890.00} PERIOD. IS IT INTEREST CHARGES, SERVICES, FEES, OR PENALTIES? THIS IS NOT A HARD QUESTION TO ANSWER. CONTACT ME THROUGH THIS SYSTEM DO NOT CALL OR SEND ME ANY CORRESPONDENCE THROUGH THE MAIL. I DETEST THIS BANK THEY ARE ALL RACISTS. THEY CALLED ME A XXXX NUMEROUS TIMES. I WILL CALL THE POLICE FILE CHARGES AND FILE A CIVIL PROTECTION ORDER. I WILL CONTINUE TO COMPLAIN UNTIL THEY TELL ME WHAT IS THE {$890.00}. YOU WILL EXPLAIN TO ME IN WRITING IN NO UNCERTAIN TERMS. ALL I WANT TO KNOW IS WHAT ARE THE CHARGES COMPOSED OFF. THATS IT. YOU DONT WANT TO SAY BECAUSE YOU ARE A FRAUD. THEY CALL MY SUPERVISOR AT WORK AND MY NCO AT XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation