vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
Since about 3 or more years ago, my bank has slowly crept up to its old practices with fees in my checking account. When banking regulations happened during the financial crisis US Bank did what I thought should have been a common practice from the get go : 1. overdraft fees would not exceed the amount being paid -- for example I just got debited {$25.00} from check card connected to toll booth recharge account. this {$25.00} charge brought my account below zero and i got charged a {$36.00} fee -- and this has occurred multiple times in the last 5 years -- going against a practice in place after regulations started back in 2009 or so. 

2. this specific charge, for example, after banking regulations circa 2009, would not have been paid for there were not enough funds in the account, regardless if it was a charge deemed " recurring '' or not. 

3. this bank is back to debiting items the old way : when multiple items come in for debits -- whether through check card pre authorizations, scheduled bill pays, or checks coming through, the highest item is paid first and then the smaller items regardless if they came a day earlier or on the same day. this practice then, for consumers with low account averages makes them liable for multiple overdraft fees as higher ticket items are paid first. 

4. lastly, if i remember correctly, if there were funds when an authorization occurred, the authorization would be paid with no fee incurred regardless whether the account went in the red. 

I contacted the bank in regard to these issues and they simply gave me the option of having a checking account that was severely handicapped -- i.e. one wherein neither checks nor check card actions were possible or would require a per transaction fee or leave everything as is. 

i was so relieved when the original regulations were in place and slowly became more increasingly disheartened as the dismantling of these regulations protecting me were eroded quietly and effectively over the years by the bank. I am certain that this is not the only bank and that it is not the first time that you hear of this. 

I expect no resolution. We will see if this works. Thanks for reading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Back In XX/XX/2016 XXXX I had a late fee the following month I paid my bill in XX/XX/XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on XXXX XXXX and noticed the late fee had never came off.

I had called discover and am still waiting for late fee to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Back In XX/XX/XXXX XXXX I had a late fee the following month I paid my bill in XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on cXXXX XXXX and noticed the late fee had never came off. 

I had called discover and am still waiting for late fee to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I do not have a specific dates, but I was added to my mom 's credit card as a authorized user and it is not showing up on XXXX or Experian and I would like it to be reported accurately. XXXX is reporting the information correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX, I received an email saying I would be awarded a free gift or taking a survey. I completed the survey, picked a watch as my free gift ( the other free gifts were facial products for women ), and was instructed I had to pay shipping charges of {$6.00}, which I did with my credit card. 
In XXXX I received my credit card invoice with a charge for the shipping and another charge for a watch. The merchant had my credit card information for the shipping charge and two weeks later charged me for the " free '' gift watch.I called the credit card company on XX/XX/XXXX to dispute the charge for the watch, and as instructed, paid the rest of the invoice, including the shipping charge. 
The credit card company says that after checking my dispute they agree with the merchant and that I owe this charge even though in a telephone conversation with their Dispute Department, they admitted this was a scam by the merchant. 
I feel credit cad companies have a responsibility to protect their cardholders from practices like these by predatory companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The sales person that sold me the car didn't disclose to the TILA act, he lie about the interest rate ( he said it was 1.7or 8 %, it turned out to be 24 % ), he lied about the term of the loan ( he said it was for 3yrs, it turned out to 6 or 7yrs ), He extorted from me by lying about the initial amount that I needed to put down, in cash ( he first said, {$1000.00}, then later an additional {$1000.00} ). In the very beginning, I explained to him that this was my first time buying a car from a dealership ( I've always bought and paid cash for cars from private owners ), and I knew nothing about interest rates, finance charges, and I ask him if he'd explain the contract to me word for word. Later, I discovered that he gave me the " readers digest '' version of the contract, he left out important information and much more. The way I found out about all of the above, was after a year and eleven months, I got an email from the dealership informing me that I now qualify for an " up-grade. '' So, I called and made an appointment to come in and checkout a newer model car, XXXX  XXXX XXXX. The GM ran my credit report twice, and chose the lowest report and told me that I don't qualify for an up-grade ; my credit score wasn't that good when they found a bank to finance me, and sold me the vehicle in the very beginning. While I was there ( the dealership ), I asked to speak to the sales person that sold me the car ; and was told by another sales person that he was released/fired, because he did some very bad things to customers. And I was one of his victims. I wrote them a email letter detailing all of my complaints about everything, but disregarded my complaint and never responded to me.I would like to forward you the letter that I wrote to the GM and the  Manager of the Service Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I returned my Ford Focus sedan to the Ford dealer in XXXX, FL at the conclusion of a XXXX lease. The car was clean and returned with approximately XXXX miles LESS than were paid for. I sat in the dealership for approximately 20 minutes while the vehicle was inspected. 

On line number " 26. '' of my original lease titled " RETURN OF VEHICLE '' it reads " Prior to the scheduled return of the Vehicle, You may be requested to present the Vehicle for inspection at a reasonable time and location. '' This did NOT happen. The vehicle was " fully-inspected '' by a third-party company at a date AFTER the scheduled return of the car and AFTER I " signed-off '' of the conclusion of the lease. This is a violation of the lease contract. 

In the months after return of the vehicle, I did NOT receive contact from Ford or Ford Credit. No  invoices detailing issues with inspection of the car were received at my address. 

On XX/XX/XXXX I was sent a letter from " XXXX XXXX XXXX XXXX XXXX '' for collections. Upon receiving this letter, I immediately called Ford Credit, and they would NOT speak to me about my account. They would provide me NO INFORMATION. They only rudely responded, " we do not deal with your account any longer, you must call the collections company. '' I spoke with XXXX XXXX services and responded within their requested time-frame a written denial to the validity of the collection. They sent me a copy of my original lease and a link to the website of the company ( XXXX XXXX XXXX ) which inspected my vehicle. I viewed the online photos at XXXX XXXX XXXX, and still see that the car seats are NOT stained. On XX/XX/XXXX I paid XXXX XXXX, as I was trying to avoid serious impacts to my credit, as I sought avenues to fight this debt collection. 

In XX/XX/XXXX, I was sent an invitation to refinance my current car at a lower rate by XXXX XXXX. On XX/XX/XXXX, I was sent an XXXX report from XXXX XXXX XXXX as part of the explanation of why I no longer qualified for their initial offer. After looking at my XXXX XXXX report, I see that Ford Credit severely damaged my credit by XX/XX/XXXX. I was following all of the requests of XXXX XXXX  to resolve this matter in their time constraints, meanwhile Ford Credit already closed my account as " unpaid '' and severely impacted all of my credit scores. I believe this action is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I had a scorned ex who knows my social security number. I frequently get notifications that my credit has been checked. I call the companies to dispute them they say its nothing they can do. I guess the inquiries are done online because I know he can not go in person and apply for anything in my name. I have tried to get the inquires removed and they will not remove them. I have multiple inquires to the same companies. The companies always send me letters however I stopped wasting my time because they will not remove them. Companies are Brclysbankde, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX and XXXX. I access this all from 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 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: SC

Complaint narrative:
I had a scorned ex who knows my social security number. I frequently get notifications that my credit has been checked. I call the companies to dispute them they say its nothing they can do. I guess the inquiries are done online because I know he can not go in person and apply for anything in my name. I have tried to get the inquires removed and they will not remove them. I have multiple inquires to the same companies. The companies always send me letters however I stopped wasting my time because they will not remove them. Companies are XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX and XXXX. I access this all from 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 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Advanced Call Center Technologies, LLC
State: AZ

Complaint narrative:
Seeking employment and my background did not go through although I have properly taken care of my legal matters

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: DE

Complaint narrative:
XXXX XXXX is manipulating my credit files in violation of federal law. Trans Union and XXXX   are complicit in this manipulation. 

I have attached two copies of my Trans Union file ( XXXX is the same ) showing that XXXX XXXX had closed the account in XX/XX/XXXX. They changed that report in XXXX to move the closed date to XX/XX/XXXX. This is negligent non-compliance at best and willful non-compliance at the worst. I did not redeem this repossession nor did I rewrite the balance in any way. The change of the closed date dropped my score 50 points because it now appears that this is a recently closed collection. 

I already have a complain against XXXX XXXX for violation of the FCRA and FDCPA. ( Complaint number XXXX ) They had reported a balance of {$71.00} as late as XX/XX/XXXX. But  when I tried to pay it, they said the balance was {$1500.00} and settled it for more than {$500.00}. Clearly a violation of the added funds portion of the FDCPA TRANS UNION and XXXX  allowing this manipulation of federal law is definitely negligent non-compliance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
In addition to complaint # XXXX and XXXX regarding Velocity Investments LLC I recently received yet another letter requesting payment on a debit I never had and it's the same one Velocity illegal put a lien on my home for. I know Velocity are ignoring your requests, but knowing they are continually harassing me for the same alleged debt even though they have a lien on my home, I need help this situation has prevented my for refinancing my home for the past several years and I feel it's time Velocity be stopped from harassing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
In XX/XX/XXXX I became unemployed. At that time I called One Main/Spring Leaf, the local office ( XXXX & XXXX ) to inform them of the unemployed status. I explained to them I would not be able to make the monthly payment due to my current status. At that time I gave the local office my unemployment papers I asked them if I could get on a hardship program, have my monthly payments reduced, apply for a out-of-work program plan, or have my account put on hold until my change of status. With no prevail, I was not able to come to any common ground with the local office. They were no help and XXXX was very rude! I then asked for the Executive Office at One Main/Spring Leaf,  which I spoke to on many occasion going forward. The EO explained, in order to provide Any assistance they would have to run a Hard credit report, which I did not agree and could not understand the logic behind that process. Since then, the policy/process has changed and now they have to run a Soft credit report, per the EO, to provide Any assistance. Again, I did not agree and could not understand the logic behind That process. XXXX at the EO spoke with the Legal, and yet, they still could not provide a logical reason behind running ANY credit report on a consumer when Not offering any, and ( or ) more money, or issuing further credit. I explained them, yet again, I am Unemployed with no other income, and Such Status should override any credit report, regardless what is listed. Which does not matter when a person is Unemployed. As of to date ( XX/XX/XXXX ), One Main/Spring Leaf EO has not provided a logical explanation of why they choose to ruin a consumer 's credit by running unnecessary reports, which does not apply to MY current situation, or one thereof. One Main/Spring Leaf has since add multiple fees ( late charges etc. ) to my account which also Do Not Help my situation. Unfortunately, I have gotten No Where with either office, and have been Desperately been trying to communicate, discuss, and ( or ) resolve my serious issue since XX/XX/XXXX. Bottom line, One Main/Spring Leaf has no intentions on helping me or their consumer that faces unemployment situations. Their lending process is not conducive to special types of situations, and that information should be provided, prior to signing a contract or applying and receiving loans, to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On Friday XXXX XXXX I had called CapitalOne requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from CapitalOne, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called CapitalOne once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from CapitalOne. I called CapitalOne today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA/HIPAA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Riverwalk Financial Corporation
State: OK

Complaint narrative:
My most recent credit report showed a very large debt to a company I have never heard of, and said it was placed in a collections account. I called XXXX XXXX XXXX and they transferred me to XXXX XXXX XXXX. The first person I spoke with coul n't speak proper English. When I asked to speak to his supervisor, he wanted to know why, and continually refused to transfer me until I told him he was incompetent. Then a slightly more educated gentlemen got on the line, but tried to talk over me the entire time. The bottom line is, these are fraudulent charges and the 'companies ' associated with the debt can not find any account listed with them and are absolutely no help in resolving this matter. I've filed a dispute with the credit reporting agency, but these people should not be allowed to continue reporting false information on innocent people 's credit.

Company response to consumer: Closed with explanation