vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I recently overdrew my US Bank business checking account between the dates of XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I deposited plenty of money to cover all the overdraft payments and also the eccessive fees that they charged me on my account. On XX/XX/2019 I called to discuss my situation with US Bank to complain of the eccessive fees and to request a refund of the overdraft fees or at least a partial refund. I spoke to two managers and neither was willing to help me out with a refund. I don't agree with their payment processing method and policy on overdraft fees and overdraft protection service. I explained that the service and fees are actually hurting me and I think the fees are eccessive and also I never authorized them to charge me a fee in the first place, so I feel they are stealing money from my account. I want them to refund the money they stole from my account through their overdraft protection service, which I did not know was optional to have when I first opened the account. The service was not explained to me and I did not understand what I was doing at the time I opened up the account with the overdraft protection service. Now that I understand the overdraft protection service, I feel it is theft of my money, I do not agree to it and I never authorized the overdraft charges. So I consider this action a theft of my money from my US Bank business checking account by the bank itself for a motive of profit.

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 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MS

Complaint narrative:
This company purchased this account from XXXX XXXX and are reporting inaccurate information on my credit file. XXXX removed the inaccuracy from my credit file due to fraud and they were unable to validate the debt owed from XXXX. I am an identity thief victim and advised this to XXXX XXXX whom removed this invalid account from my credit file as I do not owe any balance to XXXX. The account is now being re-reported by Enhanced Recovery with inaccurate information ( date collection opened - XX/XX/XXXX ) - when XXXX XXXX had the account, they advised it was opened in XXXX. Additionally, Enhanced Recovery is reporting on a debt not owed by me regarding an account that was opened fraudulently. These tactics are a violation of the FCRA and must be removed from my credit file with each bureau due to validity, accuracy, and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: AL

Complaint narrative:
On XX/XX/2019 I opened a account with BB & T bank. I transferred XXXX dollars to open my account. On XX/XX/2019 the funds were transferred from my third party bank and no longer available in my balance. I logged into BB & T and noticed the funds were posted however they were placed on a administrative hold by an unknown person at BB & T. I called several numbers online which was a dead end and only being automated. I frankly called the branch and explained to a representative what was going on she pulled up the account and her response was oh its a new account and thats not good enough for me! I explained to her I have several friends who recently within the past few days opened accounts all being over 100 dollars and they money was made available immediately. She then repeated the exact same time she said the first time which made me feel as she just simply didnt give a dam because it wasnt her money or her problems. I explained to her I have a bill that has to be paid and cant nobody hold my money like that for a whole week period because if I dont pay my bill I face a late fee or services being disconnected depending on how the company feels at that time and thats not fair because the bank dont have to pay it I DO not all of us are doing fraud or a scheme and I shouldnt be treated as I am. I live near several braces hes here and had I known they were holding my money for a week I wouldve just took cash into the branch instead of being treated like a thief and them using discretion and being bias because I strongly feel if I was white when I made that phone call her tone wouldve never changed and she wouldve personally removed that hold. I have a college education and the way that lady talked to me I started to curse her out but I chose to ask for a manager only to be transferred to an answering machine and this was at XXXX. Its not XXXX. And I still havent heard a thing or have a message for a return call which is very unfair because when u go to the branch they all be laughing eating fruit bowls and keeping up office mess. They dont be doing nothing. 30 minutes ago at XXXX I logged into the app and called a branch that was listed only to be sent to voice mail and still havent received a call back. I cant afford to pay fees to a company because an individual decides to put a unnecessary hold on my account when I can easily prove 5e funds are no longer in my account and I know for a fact they have ways to verify it and they do have the 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 explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am enrolled in a debt management program that is called XXXX. HSBC is stating that my debt management company is not an approved agency which it is. The CEO of XXXX is handling this case. I am extremely dissatisfied with the way HSBC keeps on with not accepting XXXX as a recognized debt management company. They are charging an exorbitant APR and I am trying to do the right thing in enrolling and not declaring bankruptcy. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Agency of Credit Control
State: CO

Complaint narrative:
My husband and I received a letter from " Agency of credit control '' on XX/XX/XXXX of XXXX with an itemized bill under my husbands name asking that we pay off the debt of {$410.00}. We called XXXX XXXX XXXX on XX/XX/19 to pay off this debt and XXXX informed us that they sold off the account off to a 3rd party collection agency and will have someone reach out. On XX/XX/XXXX we got served with paperwork for the both of us in regards to this debt. We looked up this company " Agency of credit control '' and they had many complaints on how they collect. We called XXXX XXXX XXXX XXXX today XXXX and spoke to XXXX and she disclosed information on our account to a 3rd party with little information and she confirmed that they are a legit company. I called Agency of credit control to come to an agreement and they let me know that my new balance is now {$1200.00} due to collection and court fees. Our court is not set up for XX/XX/19 @ XXXX. I am calling way before our court date to set something up but now they are increasing my balance claiming court fees are included. Second option they gave me is {$810.00} by XXXX. They have tripled my debt and this is illegal and a huge FCRA & FDCPA VIOLATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
At XXXX XXXX on Friday, XX/XX/2019, I received a call from my lender, Quicken Loans , Inc. at ( XXXX ) XXXX. They wanted to discuss possible ways to reduce my mortgage payments and save me some money. I told them I might be interested. They asked for information on where I work and how much I make. They ask how I've been paying my credit card payments. They said they would get back to me, and they never called back with any further information. 

They NEVER asked me to do a credit pull, never told me about such a thing, never asked me about refinancing or whatever options they have to save me money. They said they would call me back. 

Next thing I know, I get an experian notification saying there was a change to my credit file. I logged in, and there was a hard credit inquiry by Quicken Loans. I NEVER gave them permission to do a hard credit inquiry, and they NEVER asked me for permission. I feel this is fraud or theft, as I know the results of a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting to re-investigate all accounts which I listed on Identity Theft. All accounts are not belong to me or transactions made by me. Somebody open all accounts instead of me and used personal information. Please remove negative information from my credit report because you do not have enough proofs that it was 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 2019-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In XX/XX/2019 Comenity Bank decided to lower my Credit line, in XX/XX/XXXX of this year they decided to close my account after paying on time for 22 months, and after having a XXXX balance, for 3 months they decide to close my account. and no explanation. Credit file shows as closed by Lender, and has a detrimental effect on my credit score, they offer no explanation as to why the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: TX

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 2019-10-18 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: MI

Complaint narrative:
On my Credit reports XXXX XXXX XXXX, reported as of XX/XX/2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. 

However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: MI

Complaint narrative:
On my Credit reports XXXX XXXX XXXX, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. 

However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have an auto loan with Ally Financials, I recently moved from XXXX   XXXX to XXXX XXXX and I need to register my vehicle, however without the the title I can not do so. 

On XX/XX/XXXX, I contacted Ally for assistance on obtaining a copy of the certified title. They advised me to fax the documents, they were faxed and confirmation was received. 

Since i had not heard from them, A month later I followed up with Ally, and they asked me to re-faxed the documents and again on XX/XX/XXXX I sent them along with the previous fax confirmation. 

On Tuesday, XX/XX/XXXX, and on Friday, XX/XX/XXXX once again I followed up. They asked that I faxed the documents again. 

On XX/XX/XXXX they notified me that they dont hold titles on financed vehicles as per XXXX regulations the Department of Motor Vehicle held the title and that I needed to go to the DMV department. So, today XX/XX/XXXX, I went to the DMV department and they advised me I had to go back to and have them ordered the title as they own the lean on the car. So DMV were not able to assist. 

So, I went back and called Ally, spoke with about 4 different representatives for almost 2 hours and no one was able to assist.

On the fifth attempt I asked to speak with a supervisor, XXXX assisted me and contacted the title department, jointly, we spoke with XXXX who at the end told XXXX to process the title request ( she had no idea on what she was doing ). This time I was told to fax my drivers license and the DMV form, MV-902 ( XX/XX/XXXX ) and to call as soon as it was fax to confirm receipt. 

20 minutes after faxing the documents to the fax number provided for the 4th time ( XXXX ) I spoke with two different representatives with no success. They were unable to confirm this information, got frustrated and both times they hanged up the phone on me. 

As of today, this issue is still outstanding. No calls back have been received. I have been patient enough for the past 6 weeks. I cant even register my vehicle and its an inconvenience. I need help! I cant seem to go anywhere with these people. There customer service team appears to not know what they are doing and I have received different responses from different people on the same topic. They lock follow up skills, sympathy, and simply Do NOT CARE.

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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to correct my credit report for several years. Most recently, I discovered in accurate information on my credit file. Experian has 8 name variations listed on my credit report. I submitted disputes in XX/XX/2019, XX/XX/2019 and XX/XX/2019. I spoke with two representatives today, XXXX within the Impact Team and XXXX on the Fraud Team. Both informed me that they could not correct or remove the various names because they were being reported by creditors. I explained the name variations should be removed because I have only had two legal names verifiable by the Social Security Administration.  These would be my given birth name and married name ; any other variation would be incorrect and would need to be removed from my credit file. Both representatives refused to address this issue. I was informed that I would have to wait for an investigation to be completed to determine if any changes would be made. In addition, I explained to both representatives that the name variations were most likely the result of identity theft of which I provided a copy of the identity theft report and affidavit.

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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
At XXXX XXXX on Friday, XX/XX/2019, I received a call from my lender, XXXX XXXX , XXXX at ( XXXX ) XXXX. They wanted to discuss possible ways to reduce my mortgage payments and save me some money. I told them I might be interested. They asked for information on where I work and how much I make. They ask how I've been paying my credit card payments. They said they would get back to me, and they never called back with any further information. 

They NEVER asked me to do a credit pull, never told me about such a thing, never asked me about refinancing or whatever options they have to save me money. They said they would call me back. 

Next thing I know, I get an experian notification saying there was a change to my credit file. I logged in, and there was a hard credit inquiry by XXXX XXXX. I NEVER gave them permission to do a hard credit inquiry, and they NEVER asked me for permission. I feel this is fraud or theft, as I know the results of a hard inquiry.

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 2019-10-18 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: VA

Complaint narrative:
XXXX XXXX PAYING UNDER A PARTIAL OR MODIFIED PAYMENT AGREEMENT Loan was modified and successful repayment was completed.

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 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
This was a desalt of Id Thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying to correct my credit report for several years. Most recently, I discovered in accurate information on my credit file. XXXX has 8 name variations listed on my credit report. I submitted disputes in XX/XX/2019, XX/XX/2019 and XX/XX/2019. I spoke with two representatives today, XXXX within the Impact Team and XXXX on the Fraud Team. Both informed me that they could not correct or remove the various names because they were being reported by creditors. I explained the name variations should be removed because I have only had two legal names verifiable by the Social Security Administration. These would be my given birth name and married name ; any other variation would be incorrect and would need to be removed from my credit file. Both representatives refused to address this issue. I was informed that I would have to wait for an investigation to be completed to determine if any changes would be made. In addition, I explained to both representatives that the name variations were most likely the result of identity theft of which I provided a copy of the identity theft report and affidavit.

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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to correct my credit report for several years. Most recently, I discovered in accurate information on my credit file. XXXX   has 8 name variations listed on my credit report. I submitted disputes in XX/XX/2019, XX/XX/2019 and XX/XX/2019. I spoke with two representatives today, XXXX within the Impact Team and XXXX on the Fraud Team. Both informed me that they could not correct or remove the various names because they were being reported by creditors. I explained the name variations should be removed because I have only had two legal names verifiable by the Social Security Administration. These would be my given birth name and married name ; any other variation would be incorrect and would need to be removed from my credit file. Both representatives refused to address this issue. I was informed that I would have to wait for an investigation to be completed to determine if any changes would be made. In addition, I explained to both representatives that the name variations were most likely the result of identity theft of which I provided a copy of the identity theft report and affidavit.

Company response to consumer: Closed with explanation