vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have two checking accounts with Bank of America. On  XX/XX/18, I checked my available balance on one of my  accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account had a negative balance of {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had an available balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak to a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee in advance for transactions not completed. Also, since I never signed for overdraft protection, any transaction that comes to my account when there is no sufficient funds should be declined.I explained to her that I was being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or  supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he is a manager in West Virginia. Mr. XXXX also wasted a lot of my time and at the end, refused to reverse the {$35.00} fee. All my transactions were made as credit and as of XX/XX/18 there were still on pending status and Bank of America charged me a overdraft fee on XX/XX/2018 when my account never went on a negative balance. 
Today ( XX/XX/18 ), I received an email from Bank of America stating that my transaction in the amount of {$24.00} posted on XX/XX/2018 caused an overdraft on that date, but my available balance before that transaction was {$110.00}, so my account was never on a negative balance or had an overdraft and the {$35.00} overdraft fee should never been charged to my account. Bank of America is charging customers overdrafts fees incorrectly and representatives are refusing to reverse those fees. I am including supporting documentation for review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I dont recall ever doing any kind of business with this client. They have made three unauthorized inquiries on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I dont recall ever doing any kind of business with this client. They have made three unauthorized inquiries on my credit reports.

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 2018-10-28 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: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IN

Complaint narrative:
I have been battling my mortgage company ( XXXX XXXX ) for almost two years now. Last year they assessed fees on my account for what they claimed to be related to them having contractors perform maintenance on the residence. We were in the process on doing construction on the property when they came out and changed the locks. One day we came home and actually found people in the home who claimed to have been sent by the mortgage company. We called the police and filed a report and the men in the home were ordered to leave. Afterwards we called the mortgage company to find out exactly what was going on and they thought the home was vacant and that we needed to provide utility bills to show that we were still living in the residence ( which we did ). Shortly afterwards we starting noticing that our monthly statement included misc fees that no one could explain to us. I called several times and spoke to several people over several months, but never got any resolution. The mortgage company claimed that the fees were from their contractors coming out and doing repairs to the property and maintenance. This was a totally fabricated story because we paid to have repairs done to the property and lawn maintained ( which can be proven with receipts from the service providers ). As of today 's date they are threatening foreclosure, not due to the fact that we haven't paid but because of their wrongful fees that they've assessed to the account. I would like to keep the home that I've owned for over 10 years now and need some help fighting this company.

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 2018-10-28 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: 1st Franklin Financial Corporation
State: TN

Complaint narrative:
I did not authorize these inquiries

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 2018-10-28 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2018-10-28 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I did not authorize these inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28 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: Conn's, Inc.
State: TN

Complaint narrative:
I did not authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I am reaching out today in hopes that you can help me resolve an on-going issue. On XX/XX/18 my account number ending in XXXX was charged a debit of {$500.00} for a transaction with XXXX. I have never had service with XXXX nor did I authorize this charge, so I immediately disputed it. I was under the impression that this issue was resolved, however on XX/XX/18 this disputed transaction was re-debited from my account. Since then, I've spoken to several people in the disputes department in an effort to resolve this. As of today, nothing has been resolved and I have yet to get someone to help. I am hoping that you can help me rectify this on-going issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a home equity loan that reset to more than double the initial payment. The loan has a variable rate and keeps rising as the Fed razes rates. This loan has all the ear-marks of a predator loan. 

The lender, Bank of America, is not consistent in mailing monthly invoice. I call asking for an invoice to be mailed to me and I am told it is a courtesy.

How do I determine what to pay each money?

I tried applying for a loan modification a couple of years ago. I was assigned a case manager, Mr. XXXX XXXX. He was as Not, very courteous with me badgering me, curt in his replies and not even keeping our phone appointments to keep me apprised of the progress. 

Finally, I was fat out denied the modification. 

Recently, I received notification of a due date change to he XXXX from the XXXX. See the last invoice I got and the change letter. 

I am struggling now and have to wait til I receive retirement benefits to make the payment which is already late. 

How can they change the due date we have already agreed to and implemented for several months???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My checking account was closed out in XX/XX/2018 due to what the bank claimed as insufficient funds. The account did go into the negative, but would've been offset by the credit that the bank manager at XXXX XXXX Branch in XXXX GA was supposed to make. Upon opening the account I was qualified for a new customer bonus after I used the debit card 8 times within the first month. Well, the branch mailed the debit card to an address that was never mentioned when I opened the account ( which happened to be an old account for my old ESPP account ). The card was bounced back to the bank 's operating center and I requested a replacement, which was also sent to the wrong address. No clue as to why they never mailed to the address specified when I opened the account. Finally, the third time ended up being a charm as I received it but it didn't allow me to use the card the minimum of 8 times within the first month of being open. I went into the branch for assistance and ended up being assisted by the manager over the phone ( as he was on lunch when I went in ). It was determined that he would debit his GL for the {$150.00} as it was bank error but this was never done. If he had credited my account, it never would've went into the negative. Now I have a charged off account and it was reported to XXXX XXXX falsely.

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 2018-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have never done business with National Credit Adjusters. I do not have a written contract with National Credit Adjusters. I reached out to National Credit Adjusters twice for proper debt validation and still have not received proper debt validation for the alleged debt that is listed on my credit report. This is my third and final attempt asking for proper debt validation from National Credit Adjusters. The next time will come with a lawsuit. If National Credit Adjusters can not produce a written contract between themselves and me showing that I acknowledged and am liable for this debt then they must remove this erroneous debt from my credit report immediately. It is NOT suffice to produce any documentation from any third party company. I am asking for documentation directly from National Credit Adjusters. National Credit Adjusters does NOT have permission to contact me by phone, e-mail, or us mail. All communication needs to come through this CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 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: CO

Complaint narrative:
XXXX XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2018-10-28 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: CO

Complaint narrative:
Trans Union and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2018-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In response to previous complaints on behalf of Bank of America, outrageous display for taking my very little money and locking me out, then stating they will no longer do business with me. First attempt early XXXX, second attempt XX/XX/XXXX, has caused a lot of issues. As I stated in a recent complaint yesterday, I couldn't go to my doctors appointment, I lost my medications for the entire month and part of next month. I am responsible for my mother 's medications as well, and her doctors appointments. Which is gas and co payments! I CAN'T CONTINUE LIKE THIS FOR ANOTHER LONG DRAGGED OUT WEEK! The bank sent me a letter stating my account will be opened on XX/XX/XXXX, and everything will be the same, with a balance of XXXX!!! What? This situation was not my doing or fault! I WON'T MAKE IT, YES I BELIEVE I AM ENTITLED TO PUNITIVE DAMAGES COMPENSATION, MY BILLS HAVE DOUBLED AND NOBODY WANTS TO HELP ME! I PRAY THEY DON'T PICK UP ME VEHICLE. I NEED MY MEDICATION, MY MOTHER NEEDS HERS, I DON'T WANT HER BACK IN THE HOSPITAL, MONEY FROM ORGANIZATIONS GOT IT BACK AND ASKED WHY? THEY WILL ONLY TRUST DIRECT DEPOSIT. I AM COMPLETELY STRESSED OUT, XXXX XXXX IS XXXX  XXXX, VERY LOW ON XXXX MEDS AS WELL AND I HAVE NO MORE XXXX IN MY BODY TO PRODUCE XXXX. I DON'T UNDERSTAND WHY THEY ARE BEING CRUEL, JUST PLAN EVIL. I HAVE BANKED WITH THEM FOR SO LONG ... .. PLEASE, 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 2018-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
During all of 2018, Ive happily used my PayPal account to purchase my important things through merchants. In early and mid months of 2018, the PayPal website would request from me my mobile to number to verify identity again, and it was always successful. On XX/XX/XXXX, I received my third incoming seller payment that I accomplished via XXXX. The amount on XX/XX/XXXX was {$150.00}. My funds were placed on hold until XX/XX/XXXX. The funds were released to me on my PayPal account. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I attempted to purchase socks from XXXX for {$8.00}. My purchase could not be processed by PayPal because I was running into an error message. PayPal once again requested from me my mobile number to verify identity again, of which it was not successful, and is still not successful. PayPal has told me that their security flagging system is automatic, that nothing can be reconfigured, although I hardly believe they tell me the truth. There was not a problem with my identy verification before I processed a seller payment from XXXX into my PayPal account. All of a sudden I ran into error measures that they could not explain to me in any specific way. They clearly have a system larger in scope that simply identify checks. It is based on what theyve made the system which is a system that is built to do whatever it wants whenever it wants to peoples money and personal accounts. I hereby chose to end my relationship with PayPal and close my account. And once again, they have made up their own reality and took illegitimate control over my account. PayPal will not close my account because : A ) Their faulty security system continues to request my mobile identity verification ever after I removed my mobile number from their site, B ) On the telephone PayPal told me I could not close my account until I have withdrawn the funds even though they know I can not withdraw or debit due to their error message, and C ) in a new e-mail dated yesterday, they slammed me with more demands that I must have my withdrawal cheque processed and cleared by my bank before PayPal will choose to close my account. They know for a fact that they can submit unclaimed funds to any U.S. State. They are not legally bound to force me to take funds in order for me to close my account. Theyre creating their own deceptive abusive policy because they have chosen this. I will not do business with PayPal. I do not consent to any business with PayPal. They are not pals in any shape or form. They are XXXX. Greedy XXXX XXXXXXXX with a T.O.S. thats hundreds of pages long, and of how thousands of consumers have hatred for them all over the Internet. My PayPal balance as of this letter date is {$0.00}. PayPal will close my account NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a Citi / AAdvantage Platinum Select World EliteTM Mastercard issued by Citi Bank. I received a promotional email offering a promotional interest rate of 1.99 % for new purchases until XX/XX/2019 ( attached ). I enrolled in the offer in XXXX. 

My XXXX statement had a balance of {$620.00} which was subject to the standard interest rate equaling {$11.00}. 

I made a payment of {$650.00} by the due date which, according to the Credit Card Act, should have been applied to the balance with the highest interest rate. Upon receipt of the XXXX statement I uncovered that {$560.00} was still being charged at the higher interest rate equaling {$9.00}. Citi had applied my payment to the balance with the lowest interest rate which I believe is against the Credit Card Act.

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 2018-10-28 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: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo mortgage Im victim of this fraud

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 2018-10-28 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: AP

Complaint narrative:
I have disputed the late payment XXXX XXXX for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 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: AP

Complaint narrative:
I have disputed the late payment XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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