vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
On several occasions I had the funds available in my checking account to pay a debit, but USAA would send it back and charge me a {$29.00} NSF then I would also get a {$20.00} to {$40.00} dollar charge from the vendor. I have emails showing the money was available in my account, but they sent the debit back against their policies so they could charge the fee. This is the third complaint and each time they just send their deposit agreement, but fail to show my available balance was below what the debit was. I plan on closing my account due to all the issues I have had with them charging unjust fees. One date that I still have the emails with proof saved for is XX/XX/19, three different fees of {$29.00} each. I attached this proof below. There were several others, but these are the ones that I definitely have the emails saved for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/XXXX my wife made a deposit thru the BOA ATM in XXXX, NJ. It was a {$500.00} check from her company for an EAP loan. She signed it & I signed it. At that time they released {$200.00} & a hold was placed on the other {$300.00} to be released the next day. This kept our account from over drafting and items from being returned. Today I login and see they have released the item and then charged it back, causing a major overdraft in my account and charging me overdraft fees. 

My wife has part of her paycheck direct deposit going into my BOA account every 2 weeks. She has also deposited items on several occasions thru this very ATM at this location. No one even bothered to call or email stating their was a problem with the deposit. She checked with her office and the check was never even presented to their bank so it wasnt returned by them for any reason. 

BOA has a habit of doing things like this to where they can charge fees unnecessarily & we have been charged several hundred in fees just in 2019 for items that should have never been returned due to them holding items or posting items to charge the most in fees..

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 2019-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as  possible and confirmed to be correct. Thanks!

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 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My credit card reported a late. I am not sure if this is an accident or system glitch. 

It was reported by XXXX XXXX, XXXX and Target the Dept Store.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: DISCOVER BANK
State: CA

Complaint narrative:
My credit card reported a late. I am not sure if this is an accident or system glitch. 

It was reported by XXXX XXXX, Discover and XXXX  the Dept Store.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My credit card reported a late. I am not sure if this is an accident or system glitch. 

It was reported by American Express, XXXX and XXXX  the Dept Store.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Im 100 % with the VA my loans should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Windham Professionals, Inc.
State: TX

Complaint narrative:
I terminated my auto insurance contract with XXXX XXXX XXXX XXXX earlier this year when they raised their rates. My insurance agent assured me several times that the contract had not been renewed for the new term and my policy was cancelled. Now a collection agency is trying to collect a balance on the closed 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
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Im 100 % with the VA my loans should be discharged.

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 2019-12-17 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: Kriya Capital, LLC
State: MI

Complaint narrative:
XXXX  has a bill in collections. I still have an account, with the same telephone number, and an active account number. I have no idea how i am still paying them but some how have a account in collections. Theyve never reached out to tell me anything. I believe this account was ran up by someone else. 

The account name is XXXX XXXX my legal name is XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: AZ

Complaint narrative:
Equifax have blocked my credit report account for months and I am unable to see my credit report account having faxed to Equifax Dispute all copies of my personal information These are: copy of my driving license,  social security number, utility monthly billing statement with a letter requesting to unblocked my credit report. My personal information was faxed as requested to Equifax Fax  #  XXXX XXXX XXXX XXXXI have called Equifax Customer Services at Consumer Care telephone XXXX to expedite my request, but their e-mails to set a new password have failed several times.I believe Equifax is incompetent to set customer requests within a reasonable time.My request to set a new passport were denied stating that my four digit of my social security number XXXX  and date of birth XX/XX/XXXX are incorrect.I feel I cannot longer spend my time and expensive cellular phone calls trying to resolve this issue by telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 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: MI

Complaint narrative:
XXXX  has a bill in collections. I still have an account, with the same telephone number, and an active account number. I have no idea how i am still paying them but some how have a account in collections. Theyve never reached out to tell me anything. I believe this account was ran up by someone else. 

The account name is XXXX XXXX my legal name is XXXX XXXX - 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 2019-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The account does not report as paid off, and it says I was late 3 times. I was never late as the account automatically withdrew from my checking 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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The account does not report as paid off, and it says I was late 3 times. I was never late as the account automatically withdrew from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: DISCOVER BANK
State: MI

Complaint narrative:
I recently applied for a credit card with discover and was denied under the guise that I previously held an account with a XXXX limit. I have never had a discover card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: MI

Complaint narrative:
I recently applied for a credit card with XXXX  and was denied under the guise that I previously held an account with a XXXX limit. I have never had a XXXX  card.

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 2019-12-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently applied for a credit card with XXXX  and was denied under the guise that I previously held an account with a XXXX limit. I have never had a XXXX  card.

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 2019-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I paid off the XXXX XXXX loan, and it says my balance is $XXXX yet on the report it says charged off, and not as paid in full.

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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I paid off the XXXX XXXX loan, and it says my balance is $XXXX yet on the report it says charged off, and not as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: MI

Complaint narrative:
I paid off the XXXX XXXX loan, and it says my balance is $XXXX yet on the report it says charged off, and not as paid in full.

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 2019-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
After months and months of battle, it was today XX/XX/2019 that XXXX deleted it from my credit, they keep reporting on my credit since may, they have cause so much damage to my name and reputation. I call for justices Account details XXXX $ open balance Original creditor XXXX XXXX XXXX Opened XX/XX/2019 ( 9 mos ) HIGH IMPACT * needs attention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: AL

Complaint narrative:
Among other poor business practices, I was lied to by XXXX XXXX, a BB & T mortgage lender at my bank. She told me to sell a vehicle to get the debt out of my name and then she could give me a 3.75 or better rate on a refi mortgage. 
I told her I could have my son purchase the vehicle to get it out of my name but it would cost me a lot of money to do so. She promised me that if I sold it she could complete the mortgage. After I sold my vehicle to get it out of f my name she said she could not give me the mortgage after all. 
Additionally, I told Ms XXXX that time was of the essence when I contacted her about my mortgage refinancing needs. She assured me it would not take long. Over three months later with little communication from her ; and asking me to get a vehicle out of my name. ( I had to initiate all calls, texts etc. ) I was turned down.

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 2019-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made a purchase in XXXX with my Comenity Credit Card for XXXX XXXX that had a 6 month no interest if paid in full. I paid off the promotional balance on XX/XX/2019 before the expiration date of XX/XX/2019 in the amount of {$270.00} and then made the minimum monthly payment of {$62.00} on XX/XX/2019 before the due date of XX/XX/2019 in the amount of {$62.00}. Per their statement period of XX/XX/2019, it states, " You must pay your Plan XXXX balance of {$270.00} in full by XX/XX/2019, and also pay your Minimum payment amount by the Payment due date shown on this statement, to avoid paying accrued interest charges. '' I've paid of the promotional balance before the expiration date and the minimum monthly payment also before the due date and I am being charged interest on a monthly basis and I have called multiple times and they have not corrected the issue to avoid the interest going forward. I was charged interest in XXXX, XXXX, XXXX, and now XXXX. I have been credited the interest charges ; however, I should not have to call every month to have the fees removed when they need to correct the issue on their end as I am reassured every month they will take care of the problem and that it will not happen again! Please assist me. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: AL

Complaint narrative:
My mortgage was being serviced by XXXX, but then was sold to Mid America Mortgage on XXXX XXXX. I never received a welcome letter or notice of transfer of my mortgage. The only way I found out was calling XXXX to pay my XXXX mortgage. After paying the XXXX mortgage, I have seen no evidence of the payment going through. Now I am trying to pay my XXXX mortgage and have tried to contact Mid America numerous times through many different avenues. I've been on hold several times with the longest time being 3 hours before I had to hang up. I've sent emails that have gone unanswered. Their website is broken and I am unable to create an account, because I have no idea what my new account number is. I'm in the process of trying to buy another home and I do not want this to affect my ability to purchase the new home. All I want to do is pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for a credit card at a local SANs Club and received letter stating a wrong credit score-my current score is XXXX and paperwork says XXXX, I would line to know where they fit this number from!

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