vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I made a withdrawal from my savings account. Upon looking at my ATM receipt I noticed that my balance stated {$390.00} instead of {$400.00}. Prior to the withdrawal, I had a balance of {$600.00}. I withdrew {$200.00}. My balance should have been {$400.00}. I noticed a charge of {$8.00} service fee. I had this savings account for years. I had never had any kind of fees for having this account. This account was a savings account. I then went to my car and contacted the bank. I was informed by the bank that my savings account had been changed to a checking account and that I the fee charged was a service fee for having that account. I stated to them that I had not authorized capital one to change any of my accounts or requested a new account. I was instructed that because I had made several transactions that my account was automatically changed. I have never heard of such. A few of the transactions made was my moving money from my checking account to savings and vice versa. This is the normal behavior of many who have a checking and savings account. I then requested to speak with a manager. The manager got on the phone refunded me the {$8.00} fee. I stated that you refunded the fee now but now I have to continue to address a fee problem from this point on when I had not had to before. I was told that I would need to now keep a specific amount in my account or be charged. I requested for the account to be changed back to the savings account. I was told that they could not do so. If I wanted a savings account, I would need to request a new savings account and close this account. I informed them that this is fraud and that the bank had no business changing my account and not first informing me. I found out about this by seeing the charge. This is another way for banks to make money by forcing their existing customers to take on new accounts and charging them for having them. I, the customer have not signed or provided authorization for this change. I informed them that I was recording the call and both individuals were ok with the recording. The manager stated that this information is written. The manager stated that if it was his account, he would be upset as well. I informed him that this situation is similar to the XXXX XXXX situation where the bank opened up many accounts in their customers names without permission. I want to send a strong message that this kind of behavior will not be tolerated. This has not been the first time to which I have made transactions, moving money from one account to the next or making a withdrawal. I was told because of my transactions and withdrawals that the account was changed to a checking account. I already have a checking account. I do not need another one. My bank is Capital One. The savings account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Was a victim of identity fraud I have multiple addresses aliases and fraudulent information on my three credit bureaus these addresses or validated addresses Thur Accounts open by fraudulent actors.

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 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Was a victim of identity fraud I have multiple addresses aliases and fraudulent information on my three credit bureaus these addresses or validated addresses Thur Accounts open by fraudulent actors.

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 2019-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I received a letter dated XX/XX/XXXX from IC System alleging that I owe them {$220.00}. I have never done business with this company nor have I ever heard of them until I received this notice. I sent a letter to IC System requesting debt validation as per the FCRA. IC System responded to my request on XX/XX/XXXX by sending photo copies of a cable bill, with nothing bearing my signature, and placed this account on my credit report. 

On XX/XX/XXXX I sent another letter to IC System informing them that according to the FTC opinion letter from Attorney XXXX XXXX XXXX, photo copies of an old bill does not constitute verification. This letter was signed for by XXXX XXXX at IC System on XX/XX/XXXX. 

As of today, XX/XX/XXXX I have yet to receive any type of communication from IC System. This alleged account still remains on my credit report and is being reported by XXXX, XXXX, and XXXX. IC System is in violation of the FCRA & FDCPA. 

I am requesting that this account be immediately deleted from my credit report because it is causing damage to my credit file.

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 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted Equifax in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX about the collections listed on my credit report. I have made several attempts to take care of it. I shared with Equifax the accounts were not reporting accurately. There were several inaccurate items listed on the collection accounts from XXXX XXXX. Equifax sent back statements that said it was verified. I did not ask Equifax to verify the accounts. I asked Equifax to send me documentation or the proof they had since they stated it was verified. According to my records the items are not reporting accurately and must be removed. 

I sent Equifax letters asking I've asked Equifax to send me verification in XX/XX/XXXX of who they spoke to since it says, it was verified and they sent a credit report back in XX/XX/XXXX without verification which is what I requested. They changed the amount on the collections. Where did they get that amount from? Who are they speaking to? They are obviously not complying with the law. I am aware the law mandates them to comply with a consumer requests if they can can not provide the documentation or they must delete and they have failed to do comply with the law multiple times. I have provided documentation of a person signing for it, so they received the letter. I have proof of how they changed the information on my credit report without providing any type of documentation. Equifax continues to not comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I have student loan accounts reporting on my credit that does not belong to me. I have never applied for this loan or any other credit lines on my behalf. I did not co-sign for anyone else to do so. This account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NV

Complaint narrative:
XX/XX/XXXX new home was purchased and all property taxes were paid in full through escrow. 
XX/XX/XXXX PNC purchased mortgage loan from a different lender. 
XX/XX/XXXX Real Estate Taxes were reported as delinquent by PNC Bank. 
XX/XX/XXXX XXXX County Nevada County Property Tax Assessor stated real estate taxes were not delinquent. 

XX/XX/XXXX PNC Bank stated that XX/XX/XXXX tax installment was unpaid. 

We purchased property XX/XX/XXXX PNC Bank threatened to impose penalties and mandatory escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I have filed a complaint with you with regards to XXXX XXXX. I am know filing a complaint with you all against Upgrade. The company says that it takes some time to update the information. 

However, why is it that XXXX when they call them Upgrade can not give them the correct information about the account. 

am enclosing documentation that shows the loan is paid in full. I am also providing you with correspondence with Upgrade. I want to fair. Upgrade says it takes time. However, I can not see why when XXXX calls them they can not just say the account is paid in full? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
Barclay 's XXXX Credit card offered a 0 % APR, 0 % balance transfer fee program which I took advantage of to pay down credit debt over a 12 month span. I had set my account to pay the balance of {$900.00} a month for 10 months to pay off approximately {$9000.00} of debt that was transferred to the card ( completed XX/XX/XXXX ). 32 days after the transfer ( XX/XX/XXXX ), Barclays took out almost the entire balance ( XXXX ) out of my checking account as the monthly payments were " reset '' to the statement balance. I called Barclay and they stated this happens by default after a transfer. They admit it should have been handled over the phone, however when I called to do the balance transfer originally, they said to do it online. Now I have to declare fraud from Barclays to XXXX and see if they can reverse the payment. Shame on Barclays ; I would avoid them at all costs. This has never been a problem on XXXX or 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 monetary relief
Consumer complaint received 2019-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
My actual closing documents were nothing like the good faith estimate provided by my lender. 
The lender had several charges added to the closing that were not applicable to my loan. 
Septic inspection ( on sewer ) {$500.00} Well inspection ( city water XXXX {$300.00} Several more that my realtor caught. 

Basically my closing was so haphazardly put together that no one could figure it out. 

The Bank of origin was First Tennessee XXXX XXXX was point XXXX XXXX was processor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The TD Bank, NA in less than 48 hrs.debited my checking account that I have with them 3 times for the amount of {$35.00}, brought a total of {$100.00} as of overdraft fee even I do have a saving account ( with enough balance ) linked to that one.

This is not the first time I have to write to you regarding the same matter, but in the past as well, and I do not know why the TD Bank does the same practice regularly no matter how people like me have to make ends meet the budget. 

This is my first step trying to solve this reality and I hope to be the last resort and not have to go further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
In XX/XX/2014, I was unable to pay XXXX XXXX XXXX, and my debt was sold to XXXX   XXXX XXXX, XXXX. As soon as I received payment information, I began paying them and have paid them every month every since. I have also raised the amount I'm paying them twice and attempted to arrange a payment schedule. Even once I verified my identity for them, they refused to listen to me. 

XXXX XXXX XXXX calls up to five times a day and not unusually before XXXX or after XXXX. When I answer, the person on the line often refuses to identify the company he or she works for, and it takes asking them two or three times to identify the company before they will do so. The person also usually represents themselves as someone who knows me at a personal level. Once I manage to get them to identify the company, the person calling typically asks me for personal information ( Social Security number, birth date, etc. ) to verify my identity. The person also usually requests I give my whole Social Security Number or birth date, which if the person was a scammer would leave my identity vulnerable. On a recent call, I asked the supervisor I spoke with to verify the company she worked for by giving the company 's address, an item of public record, so I knew who I was talking to, and she refused to do so until I had requested her to do so another three times. When I affirmed who I was, she refused to talk to me about my account unless I verified personal information or flat out gave it to them. Each time I have spoken to a purported representative of the company, I have requested mailed statements with details about interest, how payments are applied to the account, terms and service agreements, etc. They have repeatedly refused. Earlier this summer, I did manage to get a balance statement but only by refusing to talk further until I had at least received that information. The balance statement provided none of the other information I requested. At that time, there was no way to verify the account information other than by phone since they had not given me an account number, so I could access it online. 

It's also worth mentioning that I finally was able to access their website and checked. I am currently paying more than the minimum amount the published amount allowed for a payment plan, and they still refuse to accept what I'm sending as my standard payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have entered a dispute to have this BK removed from my file previously. Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. None of the 3 credit bureaus can verify the BK, ( because the court doesn't share information with credit companies ). LexisNexus is staying that one of the credit bureaus have verified the bankruptcy which is untrue. They refuse to remove this public record or state how it has been verified. Ive reached out to pacer and the BK courts and they both have stated that they do not share Bk information by way of phone, fax or email. LexisNexus has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file. This negative/unverified report is hindering me from getting credit extended to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I wrecked my vehicle. On XX/XX/XXXX2018 two checks were sent out to pay towards my car loan by XXXX. The payment was in the amount of XXXX on my XXXX loan. XXXX has been wonderful however, the lean holder Santander Consumer USA has stated they have yet to receive either checks from the insurance company. A month passes by and Santander has not contacted me and has charged me a late fee. I have proof that the insurance company has paid out however I believe that the company does not want to cash out the check in order to continue to accumulate interest as well as late fees. I then contacted my insurance company and informed them of this so XXXX  contacts Santander Consumer USA and the lean holder requested that the insurance company resend the funds.This included the account number as well as the date. XXXX then sends the funds yet again in the amount of XXXX on XX/XX/XXXX. Still They have not reached to me and on the insurance company 's end the case had been closed. ( meaning the the lean holder has collected the check ) They have yet to allocate the check towards the principle balance. At this point im collecting interest, receiving late fees, and not getting a clear answer from the Santander. I have also called several times asking to speak with a manager or the department that handles the negotiations of loans however the reps tell me that I am not permitted to speak with that department. When speaking to a manager the manager refused to read the contract to me and also disconnected the call. At this point I feel that this is consumer abuse and that I need to place any additonal charges to a halt. Please Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Harley Davidson Financial Services Inc
State: CO

Complaint narrative:
Harley-Davidson will NOT STOP running my credit. I've been there ONCE and I have several hard pulls that I DID NOT authorize. I do not answer their calls for a reason. The salesman are pushy, to the point where it's getting slightly weird.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: VA

Complaint narrative:
Equifax was contacted over 30 days ago regarding items that were not verified correctly as mine. Equifax has not responded as well. the company hasn't provided information either. I've attached supporting documentation and information. This is a serious error in reporting and I would like this matter to be resolved.Equifax reinserted and added without my knowledge. Also, keep reporting the account to further drop my score. Accounts appear to be duplicates as well. I have no knowledge or obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Lincoln Educational Services Corporation
State: CO

Complaint narrative:
Lincoln Tech has destroyed me financially. They have several accounts against me FOR THE SAME THING. They have grossly over-inflated what they are saying I owe, and they are keeping MY Pell Grant money in the amount of {$2500.00} from me.

I was enrolled for ONE AND A HALF MONTHS, and they're  saying I owe more than {$5000.00} ( depending on what report you look at ). How?! I had Grant 's, scholarships and some loans. The loans were cancelled because I withdrew so quick. An ENTIRE month, was ORIENTATION, where all students and the instructors ... SAT AND PLAYED COMPUTER games ... how's that worth anything?! Let alone the thousands. I'm disgusted. No wonder they has a class action. No wonder actual shops DONT HIRE LINCOLN GRADS. 

They mislead and lied to me, which I find funny ... look at their CLASS ACTION LAWSUIT and this will all make sense. They declined to inform me of the procedure of accepting things like Grant 's. I just accepted my {$2500.00} Pell grant YESTERDAY to find that they accepted it on my behalf, and disbursed it ... sometime between XXXX and XXXX. 

They call my residence ( I live with my grandparents and daughter ) and if I'm not around due to work, etc, I come home to hear HORROR stories of how rude and disrespectful these people at Lincoln are to my XXXX YEAR OLD GRANDPARENTS. 

I resorted to looking into redeeming MY PELL GRANT that I worked hard for because I'm in a tough spot with my daughter. They stole from and lied to a single father, who's XXXX and was trying to better my life and my daughters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: National Commercial Services, Inc
State: TX

Complaint narrative:
Rented a car from XXXX XXXX XXXX in Colorado. I was parked and hit. I gave the license and insurance of the individual who caused the accident. Months later, i was charged for the repair. I thought it was handled. The rental car agency sent the item to collections. This should not be on my report. I was the victim of a crime. I have been under duress, making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: VA

Complaint narrative:
XXXX  was contacted over 30 days ago regarding items that were not verified correctly as mine. XXXX has not responded as well. the company hasn't provided information either. I've attached supporting documentation and information. This is a serious error in reporting and I would like this matter to be resolved.XXXX  reinserted and added without my knowledge. Also, keep reporting the account to further drop my score. Accounts appear to be duplicates as well. I have no knowledge or obligation.

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