vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/18 my account went into overdraft in the amount of {$3.00}. I immediately deposited {$5.00} into my account which brought my account to current with a new balance of {$1.00}. 

I checked my account today to see if my travel check was in my account and it has not yet been direct deposited. I immediately noticed my account negative in the amount of {$43.00}. I did not have any new transactions and everything was posted into my account. 

I called the bank and I spoke to two representatives plus one supervisor and they all refused to give me my money back. I have my receipt from my deposit showing my balance was current yesterday. The first representative asked me a lot of personal questions from did I have a pay decrease, what is making me have financial difficulties, maybe I should cancel one of my bills that I have set up which is XXXX. All of these questions are irrelevant and none of their business. The bank took my money in fees and refuses to give my money back. 

It's not right!!

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I received a credit card in the mail from Synchrony Financial located in XXXX FL. The account was opened on XX/XX/18 without my knowledge or consent. It appears on my credit report from all 3 reporting agencies and includes a hard inquiry from the same company. I neither applied for or authorized the inquiry or the opening of the account. I have contacted Synchrony Financial and it has not been closed or removed from my credit reports. The company would not say who applied for the credit card and I suspect they did this on their own without permission.

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XX/XX/XXXX my paychecks was supposed to be direct deposited into the card and it hasn't showed up. When I called Monday they basically told me that the issue was just that it took two days to get to the card. Then next time I called I was told it would be on the card by end of day Monday then told by Tuesday morning then Tuesday end of day and know they aren't answering the phones. My deposit would have been XXXX $ but I haven't received anything yet and this is now Tuesday evening.i have used this card for over a year and when I expressed concerns about fees being charged because of automatic payments not going through I was informed that it wasn't their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I am an American Express Serve card holder, and Im currently having problems with direct deposit. Several other customers are having the same issue and the company os offering us absolutely no details and have had the same response for days. Ive been hung up on by customer service reps, told multiple different etas as to when I will get my funds, and jus been treated with the impression that the company does not care. All the have offered any of the customers is template responses that change every few hours. We all have bills to pay and this company is holding all of our money with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have a checking account with American Express Serve. I have a direct deposit from my job and a deposit from my school for my refund. I have been calling for 2 days. The first day they said by XXXX XXXX that day. When I called back they said by midnight. The next day nothing I called in the am and they said by XXXX XXXX. At XXXX XXXX I called and they said with 3 hrs. 5 hours later they tell me in another 4-5 hours. My car insurance has declined, my phone will be off. I cant buy my daughters lunch for school or my dog food. I have a lease I signed to move on Friday I have to pay that. I talked to 3 supervisors and 2 said the same thing wait, and the third suggested I borrow the money from someone. I work so I dont have to borrow money from anyone. All they keep saying its a system issue and they are working on it. The bad part is there is nothing I can do but hope this is all over soon. But I advise no one to bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
DIRECT DEPOSITS ARE NOT POSTING TO OUR ACCOUNTS AMERICAN EXPRESS SERVE THE COMPANY HAS TWEETED OUT THEY ARE AWARE OF THE PROBLEM AND WORKING ON IT HAS BEEN OVER 72 HOURS American Express Verified account @ AmericanExpress 6h6 hours ago Were aware of an interruption to direct deposits affecting Personal Savings, Bluebird, and Serve customers. Please know your funds are safe. Were working w/ our partners to resolve the issue. We apologize for the inconvenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16 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: CA

Complaint narrative:
On or about XX/XX/2018 my credit report from Trans Union showed the incorrect information that I have a late payment account and a collection account with the amount of {$1300.00} from XXXX XXXX XXXX which is the debt I do not owe. 
I disputed and Trans Union refused to delete the incorrect information on my credit report.

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I use the Amex bluebird card for my direct deposit. It was not there this morning as usual. I confirmed with my payroll company that the email from them showing it was sent was correct. They had sent my check. I tried numerous times to call bluebird. Chose option for representative but once transferred it would give a busy signal and hang up. Finally got through this afternoon. This is what was said.

I just called for the 10th time today. First time to get through Held for 20 minutes. First was told they had not received my deposit. When I called him out on that I had confirmation that they did he put me on hold for less than a minute to say they had an issue and it was of the highest priority. When I told him it couldnt be cause people had been waiting for days on theirs, he said I should have it in the next 4-5 hours. I said I know this is not your fault but I need a real time estimate. Are u just saying 4-5 hours to get me off the line? Do you have a real ETA? He again said 4-5 hours. I asked him was he planning to pay my bills tonight and feed me and my kids if it wasnt there then. No answer to that

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Recovery Systems
State: CA

Complaint narrative:
On XX/XX/2018 at XXXX pacific time my maternal cousin received a phone call from XXXX XXXX XXXX claiming that I owe so much money on a checking account from XXXX XXXX and if this matter isnt resolved they are going to take legal action. I called the number they left. It rang once then music started and then a man picked up. In the conversation I had he accused me of theft of stealing goods or services. I asked him for the name of the company he represents then I looked it up using XXXX and every thing that came up under that company was linked to extortion scam. When I brought this up to him, he immediately hung up.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My employer submits payroll on the XXXX. I am supposed to be paid on the XXXX and the last day of the month. My direct deposit is usually available a day or two before payday. This time it has not even been there in my account and its 1 day past. They have said many things ; no issue on our end, there is a pending Deposit, no there is no pending deposit, we are not having difficulties, we are having issues, will be resolved today, will be 80 % resolved in a few hours, we are working on it and no ETA. I need to pay my utilities ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16 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: TN

Complaint narrative:
XXXX XXXX charged a late charge. I had no idea anything was late and was not contacted. I contacted XXXX and they agreed to waive but instead marked my account past 30 days for a late fee. I have disputed this several times and it is still there marked past 30 days on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My mortgage loan was transferred from Capital One to XXXX. We paid XXXX the XX/XX/2018 payment. Apparently the transfer didn't happen until XX/XX/XXXX Capital one reported this as late I have filed a complaint and sent all information to Capital one and XXXX I have proof of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
I only found out about this supposed debt when I applied for a loan refinancing and was informed that there was a negative report on my credit. When I got the credit report from the three bureaus, it turned out to be a hospital debt that has been settled a while ago.

Aargon, the collection agency, never sent me a notice that I owed a debt. It just went right ahead with filing the negative report with XXXX and XXXX XXXX on XX/XX/2018 for the supposed debt of {$1500.00}. 

I called Aargon on XX/XX/2018 to inquire about their filing. I provided my full name and date of birth. The representative I spoke with told me that he could not help me because there are supposedly a lot of names similar to mine. He asked for my social security number which I refused to give for privacy and security reasons. I told him that I have never given hospitals or medical providers my social security number. Even Medicare has now changed the card it sends to Medicare members. It no longer shows the social security number. I could not provide him the file number because it was not shown in the reports of XXXX or XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Rather than respond to my disputes listed below, Equifax removed a promotional block from my credit file XX/XX/XXXX, then claimed on the very same day ( XX/XX/XXXX ) it couldn't find my file to place a fraud alert THAT I NEVER REQUESTED ... Please see the included mail. This violated the FCRA in the most ridiculous ways ... How is it that the core disputes are not addressed at all ... This smacks of a delay tactic ... 

ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX {$94.00} not mine XXXX XXXX not mine XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2018 I sent out a dispute letter to TransUnion to validity and accuracy of your recent investigation of the bankruptcy that is reporting on my credit report. I ask them explain to me how they conducted their investigation. I request the name of courthouse, the clerk name that you verified the dispute with, the address, the telephone number and documentation used to verify the dispute. I also request a notarized affidavit confirming the information that is provide is true and correct as per my civil rights granted under several federal laws. On XX/XX/2018 I sent the courts a letter on there procedure for verifying information with the credit bureaus. I called transUnion XX/XX/2018 asking them to how they validate this account. They stated the courts validated the account but can not send me proof of validation but told me to ask the courts for validation.

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 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: WA

Complaint narrative:
I was out of the country during the XXXX and upon returning in XXXX I received a letter from XXXX XXXX, on behalf of XXXX XXXX attempting to collect an unknown debt. Their letter was dated XX/XX/2018. However, due to delayed mail and my absence I did not have 30 days to dispute said debt. I called them immediately and requested for a delete for payment. They were not accommodating. They advised me to call XXXX XXXX. I called XXXX XXXX because I was never even aware of the debt to begin with. It was a final bill from the sale of a home in FL. I live in XXXX. I never received any bill from XXXX XXXX ( my previous bills were e-pay, but upon closing account I lost access ) and XXXX confirmed that they had an erroneous mailing address. I had no idea this bill was even owed and should have been given the opportunity to pay it in full. XXXX neglected to mail it to the correct address and closed my online account so I had no access. 
XXXX XXXX failed to give me 30 days to dispute this debt. I mailed XXXX XXXX on XXXX XXXX a written request to delete this from my credit and give me the opportunity to pay, but I have not heard any response from them. This is the only derogatory mark on my credit and I was never given an opportunity to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: LA

Complaint narrative:
I had 2 open Accounts with XXXX loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: LA

Complaint narrative:
I had 2 open Accounts with XXXX loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: LA

Complaint narrative:
I had 2 open Accounts with XXXX loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.

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 2018-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MA

Complaint narrative:
a bank cashed a check with my name on it and the banks name. The bank is in another state so I mailed the check to them to endorse it. check was sent to me from auto insurance company for theft of my cars wheels tires.. the bank cashed the check and did not send it back to me .. I wrote a letter that I need the bank to endorse the check to pay for the wheels tires.. is it legal for a bank to cash this check with out my endorsing? 

the bank took my payment for loss, and put it on the loan balance now I do not have that payment to buy my wheels.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
American Express is delaying my direct deposit and they are not responding. It also seems that the customer service line has been disconnected. I have no idea when I will be paid and I have expenses piling up. There was also no notice of problems. I had to find out through XXXX that there was a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Experian, asking them to investigate certain accounts on my credit report. They were supposed to responds within thirty days, but they have yet to do so.

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 2018-10-16 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: AZ

Complaint narrative:
I mailed the first letter to TransUnion on XX/XX/2018 in regards to several collection acct that is supposedly mine. 1st acct is for the amount of {$1900.00} and the 2nd for the amount of {$640.00} and under sec. 609 of the FCRA they are supposed to send me a copy of the original contract that I signed and they did NOT provide me a copy with the original contract. All they say its verified when yet they are supposed to provide me with what I requested. 
So I sent a second letter on XX/XX/2018 On regards to them same accts that I previously stated and all they do is say its been verified but NEVER sent me the original contract that I signed. And now I mailed out my 3rd letter on XX/XX/2018. And I will be attaching all three copies of the letters I sent so they dont try to Deny ever receiving letters from 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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My employer loaded my direct deposit to my American Express Bluebird card on Sunday, XX/XX/2018. As of today, Tuesday, XX/XX/2018, my direct deposit has not been released to my account.

Company response to consumer: Closed with explanation