vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was improperly charged egregious overdraft fees in the amount of {$210.00} overall from TD Bank. This started on XX/XX/XXXX when TD charged me a overdraft fee of {$70.00} when I had money reflecting in my available balance. This bank uses deceptive practices to maximize the amount of overdraft fees they can charge. TD bank blames their system for not accurately reporting the correct amount of balance available. This is false advertisement and unethical behavior for such business to practice. This violates my consumer protection laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX process a transaction that I was not approve of, I contact Capital One regarding this matter. I have express to Capital one that this transaction was not approve from me and that I have try to get into contact with this company many time therefore have not receive no response from this company. I have receive an email today XX/XX/2019 regarding they have denied my claim and refuse to fight for my payment back. 
I have made it clear to Capital One that this transaction has no sign document, written, oral agreement for this transaction. I also made it clear that this company have took their service back and I no longer have their product. Capital has refuse to take matters in action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: TN

Complaint narrative:
House fire on XX/XX/19. Damage was under {$40000.00}. Check for structure endorsed and returned after I had to quote XXXX/XXXX/CFPB Guidelines to XXXX who handles claims for my mortgage company, Bank of Oklahoma. Then a second check was submitted which was for storage of contents, cleaning contents, moving contents. All paperwork was submitted from me and from XXXX XXXX. I uploaded everything to XXXX 's site. I gave permission to endorse check and send to XXXX XXXX. XXXX had the W9, my permission, Waiver of Lien, 3rd Party Authorization Notice, Repair Intent, Certificate of Completion, COI. They made an error and said they did not have all the info and sent the check, regular mail to XXXX XXXX for Endorsement. They said that was their policy. Then, the Manager, XXXX tells me it was their error. It should have been endorsed. Now, XXXX XXXX is out money for at least another two weeks. I am in the mortgage industry and I hear complaints like this all the time. XXXX does not follow guidelines. They constantly loose documents which is what happened here. I have had to take time to all at least 5 times to get this fixed. Each time, am told something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/ Discover card took out a bank draft on my checking account for {$100.00} from the XXXX   XXXX XXXX XXXX XXXX. The last time I did a payment over the phone was 18 months prior to this date. I was crystal slear they were never ever to do that again! This is the 2nd time they have done this! The 1st time we worked out now I am determined they need to pay the bounced check fees and the {$100.00} at the very least. Next time I will have to change /close/ reopen checking accounts. Is it possible to tack on a pain in the XXXX fee? How about a fraud fee for them to pay. So far there are 2 checks NSF fees {$24.00}, stop payment fee {$8.00}, {$35.00} returned check fee. I have told them in the past {$940.00} only goes so far as a retiree. I receive {$13.00} EBT. Which means $ XXXX {$50.00} to grocery shop with and food pantries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian sent me an email notice about a derogatory report of a 90 day past due collection account by " XXXX XXXX XXXX '' in the amount of {$310.00}. 

I called them and was told they had no idea who I was and had no record of any kind in connection with my name or any other. 

This is a bogus claim from a company I never even heard of let alone did any business at all. 

Please have them remove this unfounded claim from my credit history and restore my FICO credit score. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I disputed the account in the amount of {$160.00} that I do not owe and I received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing this account with the credit bureaus and they have not provided any validation for this account. 

I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about the same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says File No. 201 -CFPB-0022 Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers. Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and Trans Union are falsely reporting on 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 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
Debt collector called trying to collect a 7 yr old debt ... refused to send me a verification of debt letter so that I can prove they are a legit company ... would not give me the company name or address which I found through research ... threatening to sue me and freeze my bank account and put lien on my truck, taxes and garnish wages ... all I asked was a lettier proving the debt and she refused and informed me Im going to be sued ... I offered to pay the debt in monthly payments but I need verification of the legitimacy of this company which they are unwilling to provide ... I should be entitled to a document to look over to prove this ... if legit Im willing to pay my debt as I should..I have rights through the Federal Fair debt collecting practice Act and they have violated my rights..first off by not sending me a verification of debt notice that would give me that chance to prove the authenticity of this company and debt ... I do not feel comfortable giving them a payment over the phone when they wont send me anything to verify who they are ... Im trying to protect myself from possible scam and I feel I have the right without being threatened if I dont pay today

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE INQUIRIES BEING DISPUTED I DID NOT AUTHORIZED THOSE, PLEASE INVESTIGATE AND HAVE THOSE REMOVE OFF MY 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 2019-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE INQUIRIES BEING DISPUTED I DID NOT AUTHORIZED THOSE, PLEASE INVESTIGATE AND HAVE THOSE REMOVE OFF MY FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
On XX/XX/2019 I was referred by XXXX XXXX Court House to contact G.C. Services to pay a ticket/violation ( ticket # XXXX ) that was outstanding to renew and release my California Drivers License. I contacted G.C Services same day XX/XX/2019 provided them the XXXX XXXX Court House information and the ticket number. I also pointed out to G.C. Services that the payment process and turn time was essential for my new employment ( identification, fingerprinting, I-9, etc. ) at that point the Agent brought in a Manger who indicated they would definitely process and notify DMV within 3-business days. 

To date XX/XX/2019 G.C. Services has not notified XXXX XXXX Court House that I have paid the ticket and therefore DMV has not been notified to release my drivers license. The employer I was to began work on XX/XX/2019 pending the completion of my identification, fingerprint, and I-9, has given me a deadline to provide this information. 

I have called G.C. Services over 15 times in the past 2-weeks and they have failed to respond or provide the XXXX XXXX Court with the documentation required by DMV. 

On XX/XX/2019 I called G.C. Services to file a complaint with their management. At that time G.C. Services Agent indicated that they made a mistake and applied my payment of {$260.00} to the wrong account. The Agent also told me I must wait until sr. management review my account. This is unacceptable! this has caused and impacted my employment and creating significant financial hardship. 

I have attached the document ( s ) provided to me by XXXX XXXX Court House to provide to G.C. Services that identifies the XXXX XXXX court and the Ticket # of the citation for me to pay. This information I provided to G.C. Services verbatim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I disputed with Transunion three accounts reflected on my credit report. I never opened those accounts. I have no knowledge of those accounts. And, I never used those accounts. Transunion refused to delete those accounts. 

Transunion 's report indicates that the accounts were open for about 60 days in XXXX - XXXX. I want those accounts DELETED from my credit report. 

Those accounts are : ( 1 ) XXXX DEPARTMENT STORES N # : XXXX**** : ( 2 ) XXXX/XXXX # : XXXX**** ; and ( 3 ) XXXX/XXXX # : XXXX****.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed XXXX trying to charge me {$160.00} dollars for a Payment Protection Plan. Upon calling them and having the fee removed, I also learned that they have been charging me this fee since I opened the account in XXXX even though I did not consent to have such fees applied to my account since I was still in college and could not afford much beyond the basic service. I can not access records beyond two years, but so far Discover has charged me {$2600.00} in Payment Protection fees dating back to XX/XX/XXXX. 
Upon further research, I also learned that Discover was ordered by a joint public enforcement action between CFPB and FDIC to reimburse {$200.00} XXXX to more than 3.5 million consumers back on XX/XX/XXXX. After speaking to a customer service representative, she said the best she could do was reimburse me for the past 6 months only. I find this to be a grave insult, and seek to be fully reimbursed for all fees paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I am willing to identify and cc the letter that I wrote to a debt collection by the name of Credit Control Corporation, address XXXX XXXX   XXXX XXXX, XXXX XXXX, VA to a derogatory remark that showed up on my credit report that I do not frequently view. I sent a certified letter ( for confirmation ) to ask them to verify an open account that I did not have prior knowledge of and said that the verification was not a refusal to pay. I also asked them to only respond via mail, and to stop collection activity until I could figure out what is going on. Currently I do not know if I am a victim of identity theft, if this is an old account that was closed and sent to debt collection, or even if the amount shown is correct if it is an account that belongs to me. 

All I asked for is just competent evidence that I agreed to pay via some paperwork from who they bought the debt from, or even for them to halt collection activity while I look for answers. They have done neither, and instead have placed another derogatory remark for an account that I do not even know the existence of. Right now, I fear legal activity against me from a company who not only chose to not exercise transparency but who is also placing things on my credit report without updating me now that I've begun the process. It has at least been a week without them even telling me that they have chosen to look into it. What do I do? I also note that these aggressive actions only occurred after I decided to contact them even though I was apprehensive about it. I thought this was the responsible thing to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: FL

Complaint narrative:
Someone has open fraudulent Account Under My Name that I Did not Authorize

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 2019-10-09 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: FL

Complaint narrative:
I have been disputing this account with the credit bureaus and they have not provided any validation for this account. 

I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about the same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says XXXX XXXX. XXXX XXXX Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers. Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and XXXX XXXX are falsely reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing this account with the credit bureaus and they have not provided any validation for this account. 

I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about the same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says File No. 201 -CFPB-0022 Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers. Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and XXXX XXXX are falsely reporting on 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 non-monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a CFPB XXXX against Experian around XXXX - XXXX 2014 regarding a 10 year old derogatory past due payment by XXXX that was not true. 

I contacted the Office of the President of XXXX, copy attached. In reply, I was assured the derogatory report would be withdrawn. 

If both Experian and XXXX still fail and refuse to correct this information, please let me know and I will have my attorney contact the Office of the President of XXXX - again - to require the removal of this false information and to hold their employees personally accountable for their actions. 

Please be advised, as result ALL other credit reporting agencies changed their information on this account and no longer contain derogatory information regarding XXXX or any other.

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 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
hello, we had a business checking account with US bank. Back on XX/XX/2018, we found out that 5 of our checks had been stolen from the post office and were altered and cashed/deposited in someone elses name, other than the intended party. The amount totaled {$22000.00}. We contacted US bank to let them know and ask why they had approved these checks to be paid out to XXXX  XXXX XXXX, when you can VERY CLEARLY see these checks had been altered. They said it was very obvious fraud and they do not understand why they cashed these checks when it is very very very obvious these checks were altered, ( check images attached, you can clearly see someone used white out to change the name, the line where the name goes isn't even in tact ) which leads us to believe, someone at one of the banks was in on this scam. US bank   said they will open an investigation and get our funds back from XXXX XXXX XXXX. After almost 1 and a half years of getting the run around from US bank, they finally told me XXXX XXXX XXXX is not responding back to them about returning the funds so there is nothing US bank can do for me. They want me to eat the almost {$23000.00} loss because of something they did wrong. We did ABSOLUTELY nothing wrong, the banks need to examine the checks before giving the " OK '' to be cashed. US bank failed to ensure the checks are legit, before cashing them, so therefore they are responsible for the checks, not the customer!

We demand US bank sends us the funds in the amount of {$22000.00} due to their negligence.

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