vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
Dear XXXX, US Bank uses overdrafts in every way it can to charge their customers. They charge their customers excessively in order to add to their earnings per share. 

The following is my experience. I would not have received this kind of customer service at my other bank. 

I made several purchase from XXXX for the first time. I went to the bank to deposit an additional amount of money to account for the purchases. 

I was unware XXXX debited the account after hours for a purchase I believed I accounted for during reconciliation. 

U.S Bank normally debits the account immediately. XXXX debited the account after business hours and I was unable to deposit additional funds. I was unaware of this until I logged in. 

When I logged in, I saw an overdraft of {$36.00}. I called in to customer service to explain the situation and expected the {$36.00} to be refunded. 

I spoke to 'XXXX ID # XXXX. She put me on hold for several minutes. This was a simple housekeeping error. XXXX did not provide the 5 star customer service the bank advertises. After about 5 minutes, she stated she is unable to waive the fee. 

I was very unhappy and dissatisfied with the length of time it took for this minor housekeeping issue. I asked for her ID # and she would not provide it to me. I asked several times and she did not respond. 

I asked for a manager which took about another 5 minutes. XXXX ID # XXXX a a manager took over. She was unable to provide the 5 star customer service and stated she would not refund the {$36.00}. 

This bank chargers overdrafts in a manner that is excessive. This needs to be reviewed. They use the overdrafts as a way add to the earnings per share. 

This call I initiated should have been 5 minutes. Instead, US bank and its management use these situations to penalize their hard working customers. It is a very poor customer service tactic. 

US Bank does not care that I am a very dissatisfied regarding this conclusion. They are happy to charge me {$36.00}. 

I will be closing my accounts and using my other banking relationships. 

I will be relaying this experience to my attorney who will send a letter in order to get this on the record.

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 2019-03-07 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: NC

Complaint narrative:
I disputed a charged off account with Transunion on XX/XX/2019, that Transunion failed to investigate and update properly on my credit report after receiving proof that the account was paid and sold to another company Transunion tried to submit an ACDV to the original creditor who no longer has the account Transunion failed to conduct a reasonable investigation or update the derogatory account to a paid status they are still reporting the account as delinquent when it's not.

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 2019-03-07 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: CT

Complaint narrative:
XXXX XXXX is showing in the remarks early termination and balance owing. The Vehicle was a total loss that is why the lease was terminated early. They were paid by the insurance company I also had GAP in the lease. I paid all the property taxes owed to them. I don't owed them or never had a balance with them.

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 2019-03-07 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: NJ

Complaint narrative:
I had a collection on my credit report from Experian. I paid the collection ( XXXX XXXX XXXX ). The collection agency updated all 3 credit bureaus. Both XXXX  and XXXX XXXX updated their system. However XXXX  refuses to update their system. They still have the debt listed as an open collection account. It is not an open collection because the debt has been paid. I contacted Experian and the representaive XXXX told me that they ( Experian ) will not change the status of the collection. He said although it's been paid, the bureau will still continue to report it as an open collection for 7 years. This is an injustice because acording to FCRA Section 623, Experian is supposed to correct information after they were provided proof. I submitted a copy of the letter from XXXX and the collection agency also gave them proof. This is defamation and wilful injury to my credit report by Experian. As a result, I can not obtain credit because their listing of an open collection account is seen as DERRAGATORY by other creditors. I paid my debt/collection and Experian is still punishing me. This is cruel and inhumane. I am asking for Experian to update the status and remove the derragatory mark on my credit report. If the collection is PAID, it should not be reported as a open Collecion. It's not a collection anymore because I satisfied the debt.

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 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX ATTN CF XXXX XXXX HERE I BELIEVE .IT APPEARS SOME DISCRIMINATIRY ACTIONS GOING WITHIN CREDIT REPORTING. 

SEE ATTACHED FILES FROM XXXX AN EQUIFAX 50 POINT DIFFERENCE UNEXCEPATABLE XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 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: Exeter Finance, LLC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date of Inquiries : XX/XX/XXXX Companies : Exeter Finance XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Vermont, XXXX, XXXX, XXXX XXXX XXXX XXXX hard inquiry done by XXXX XXXX XXXX, P.O. Box XXXX, XXXX, Texas XXXX, XXXX Dear Sir or Mam : Please be advised that all of the above finance companies did a hard inquiry on my account without my permission. I have drafted a letter asking them to take this off my credit report. After my bankruptcy discharge I received letters from each of them but I did not take any action and apply for any loans for an automobile. Please assist me in getting this taken off my credit. I am trying to rebuild my credit and this is so unfair of these people to drag my credit down again after I tried to make a new start. 

I would be grateful for any assistance you can give me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Please don't publish my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: IL

Complaint narrative:
I am a XXXX XXXX that is currently being suppressed from achieving the American dream by Equifax. 

Recently, all my rental history was added to give a complete accurate account of my credit assessment abilities. Equifax failed to re-score or do a comprehensive risk assessment of my credit history and now their action is obstructing my application for a home to gain the best rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Sterling Infosystems Inc.
State: OH

Complaint narrative:
I opened an issue before and got an email you were not able to send complaint to the company for a response ( XXXX ). Not sure if I filled it out wrong or did not provide enough info. I will add more now. 

The background check company Sterling ( Sterling Infosystems, XXXX XXXX, XXXX XXXXt, XXXX XXXX, XXXX XXXX XXXX ) ran a background check and provided to a company that I did not authorize. It seems Sterling operates under multiple names ( see above ) so it is difficult to find who to talk to. 

My employer ( XXXX XXXX XXXX ) told me I had to fill out a Sterling form online, but when the consent box popped up there was no way to say no, it asked for my name to be typed in so I just put 'no ' that I did not consent. XXXX is saying their system just assumes everyone consents and they in no way need to have written consent, just being on their site implies consent. In summary I did not provide written consent. 

Also the disclosure forms were confusing the name of the company requesting the report was not one name but two companies " XXXX XXXX XXXX '' was the name on the disclosure. I am a current employee of XXXX XXXX XXXX, but I assumed the check was only for XXXX, which is who I thought requested it and that XXXX would not get or take actions against me because of the report. I work for XXXX, but was told to fill out the background check to be a XXXX contractor in a XXXX facility. But it turns out both companies got the report ( as per Sterling ). 

Based on the report XXXX is working to revoke my employment. 

I have emailed with XXXX XXXX who is the director of Compliance at Sterling email ( XXXX ) phone ( XXXX ext XXXX ), but she is saying no written consent is needed for background checks.

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 2019-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST FINANCIAL BANCORP
State: TX

Complaint narrative:
Claims to be calling from First Financial Bank ( XXXX ) XXXX Trying to Contact XXXX, but I have only had this phone for a few months and my name is XXXX. I informed them they have the wrong number and they told me I would have to pay them {$10.00} to stop calling. I told them, I would file a complaint and I didn't even believe they were with First Financial Bank. They made many strange comments and accusations such as " I stole this number from XXXX '' and what they were doing was not against 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 2019-03-07 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: BB&T CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date of Inquiries : XX/XX/XXXX Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX, XXXX Regional Acceptance, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Vermont, XXXX, XXXX, XXXX XXXX XXXX XXXX hard inquiry done by XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Texas XXXX, XXXX Dear Sir or Mam : Please be advised that all of the above finance companies did a hard inquiry on my account without my permission. I have drafted a letter asking them to take this off my credit report. After my bankruptcy discharge I received letters from each of them but I did not take any action and apply for any loans for an automobile. Please assist me in getting this taken off my credit. I am trying to rebuild my credit and this is so unfair of these people to drag my credit down again after I tried to make a new start. 

I would be grateful for any assistance you can give me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Please don't publish my identity.

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 2019-03-07 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX I ordered CR ( credit report ) from Experian ( as I have been doing since XXXX, ( I have this report from XXXX ) ), XX/XX/XXXX still not rec 'd. Experian asks every time if one has lived same address for two years, ( actually eight years now ). Called XXXX XXXX (??? ) on XXXX, person XXXX told me it takes sixteen " business '' days, ( never has before ). I asked her WHEN sent, she didn't know, asked WHERE it was sent, " to your address ''. Also, XX/XX/XXXX ordered CS ( credit score ), ( first time ) from XXXX. Rec 'd CS on XX/XX/XXXX, six days later. Still no Experian CR. I called every number I could find for Experian but could reach no real person except in XXXX XXXX (? ). Again called Experian, person XXXX very knowledgeable, compassionate, helpful. I did ask her, congenially, where the XXXX is my CR? Told me typo in my address, extra digit added in numerical portion address. Eventually, after checking further, she told me four letters incorrect in my street name, also. I am extremely protective of my info, I am extremely concerned, distraught, and scared now. When I hung up I called the US Postal Service where, I was told, the letter would have been returned to return address which I assume is XXXX XXXX  XXXX XXXX TX XXXX, same as my CS return address. So, why has not ANYONE from Experian who rec 'd my CR in Texas, nor anyone from Experian ANYWHERE contacted me? And further, where the XXXX is my credit report? Twenty-five days after I ordered same? Historically Experian has been the only CR worth applying for although I order from Equifax and Transunion also. I did ask XXXX yesterday, XX/XX/XXXX, to send me a report again. So to reiterate, where the XXXX is my original credit report? Why do I still think I can trust Experian with my personal and financial information?

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 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation
State: IN

Complaint narrative:
There was a garnishment hold placed on both of my checking accounts for {$350.00} from XXXX XXXX XXXX XXXX. It ran both of my accounts negative. When I spoke to the bank I was able to get the creditors phone number and called them. I was informed at that time ( XXXX ) that the amount of the hold was what was owed on taxes from XXXX. I have never received a letter from that company stating it was owed. When the money came out of my account ( which took my rent money ) I called them again ( XXXX ) to have the hold removed from my second account the agent told me they took my tax return from this year and there is still {$110.00} owed to satisfy the debt. Now every time I ask for a copy of the bill stating how much was owed and from when the company hangs up on me. I have yet to get proof that I actually owe for back taxes. Also for the last two years I have received a state tax return so if there was money owed then that would have been taken. I would like to know what my options are at this point since the collection agency is basically refusing to provide me proof of what is owed. Also I have never gotten a court date or any papers about a judgement against me. My job hasnt received any notices about any garnishment either. Thank you for your help.

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To make a long story short, I thought someone stole my identity so i placed a fraud/freeze alert on my experian. I then receive the freeze letter in the mail and also another letter saying that ive been removed from .... i forgot what it was officially called, basically credit cards/loan company 's cant pull my report for the next five years. Here are the problems. First off, lets say i want to unfreeze my credit report a few months from now ( im not saying i do, im just using that as an example! ) could i even apply to a credit card for the next five years? The 5 year thing confused me a bit. Is it just for when the credit freeze is in place? Could i have some extra details about that because tbh it seems a lot like i placed a freeze to help prevent my credit from being screwed over and then experian themselves XXXX me over. The main reason why im reaching out is because experian has been sending me emails ( marketing emails, i think ) about credit cards that im matched to, that im qualifed for. its more than just a one time thing as well. I've received at least a dozen from experian since placing the freeze. Im not sure what experian thinks but to me thats extremely concerning, Why is that happening when experian themselves said it wouldnt happen? Is someone else applying for those cards? Does someone else have access to my experian account? ( the online account or even the experian account itself, like the one you look at! ) Theres alot of different ways that i can look at this but all i know for a fact are these 3 things. 1 : Even under the best circumstances, it just being someone at experian doing some type of typo or something like that, thats still really bad because they still arent suppossed to be doing that. Whats the point of the credit freeze if it apparently doesnt freeze? I guess experian doesnt care about identity theft. Come on, you cant blame me for thinking that way when it seems to be that way! 2 : Experian better get to the bottom of this and BE HONEST while doing it because if i find out experian screwed something up and then lied about it as well, I swear on my grave experian will be 100 % liable for any damages that might arise from that. 3 : If there is anything that screwed me over because of experians mistake, That will be an extremely bad day for experian in court. Please dont misunderstand me here, I dont want to take experian to court, im simply being honest, If experian XXXX  something up, then can you really blame me for thinking that way? Whats going on!!?

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 2019-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recoveries, Inc.
State: AL

Complaint narrative:
In XX/XX/XXXX, I received a letter from National Recoveries stating that my loan was in default & had been turned over to them. I contacted them to set up a payment arrangement for my loan. I was told that I would be emailed a link to invite me to XXXX where I would be able to upload required documents for the program. I did so on XX/XX/XXXX. I set up an arrangement for {$100.00} monthly would be taken from my checking account. I was also told that my loan would be taken out of default & any tax offset would be removed from my account. Since then I had been making payments. XX/XX/XXXX I filed my taxes with XXXX XXXX XXXX XXXX & was updated that I should receive my refund in my account on XX/XX/XXXX. That didn't happen. I checked IRS.gov website & my status showed that my refund was taken & put towards my student loan as a tax offset. On XX/XX/XXXX I contacted National Recoveries to see exactly what was going on, & I was informed by XXXX that they did not tell the U.S. Department of Education that I had entered into the loan rehabilitation program & was making voluntary payments & to take my loan out of default status & off tax offset. I asked if I could request a hearing & they said they didn't handle that. They also said they mailed me a letter informing me that they didn't have all the required information to enroll me into the loan rehabilitation program. I responded by telling them but yet and still y'all was taking my money since XX/XX/XXXX. The letter they mailed was dated XX/XX/XXXX to my old address. I had no idea my loan was still on tax offset until I went to IRS.gov. The letter I received from the U.S. Department of Treasury was dated XX/XX/XXXX, after I should've received my refund.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
Report states that I had service from XX/XX/2018 and date deliquiate was XX/XX/2018. Have tried to dispute, no contract, debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
On two different occasions my husband visited the doctors office around the same time we were in transition of moving out of state. The doctors was informed of our new furture address to send the final bills to but continued to use our old address resulting in the two bills getting lost with USPS and therefore we never received the bills. It wasn't until our mortgage lender pulled our credit that we learned of these two descrepencies on our credit reports. We immediately paid the two payoffs and they said that they would remove these negative remarks/collections from our credit. To date they are still on our credit. Please remove from our credit.

Company response to consumer: Closed with explanation