vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: VA

Complaint narrative:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 90 days late as of XX/XX/2018 XXXX and XXXX 60 days late as of XX/XX/2018 XXXX and XXXX 90 days late as of XX/XX/2018 XXXX 30 days late as of XX/XX/2018 XXXX and XXXX 60 days late as of XX/XX/2018 XXXX 30 days late as of XX/XX/2018 XXXX and XXXX I was XXXX overseas during this time and had difficulties making online payments, but I paid as soon as I was back in the states. Now I am applying for a home mortgage and it is impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
XX/XX/2019 KeyBank charged four overdraft charges of {$38.00} posted to our account when our account had a positive balance. The first overdraft charge caused us to go into a negative balance, once our account had a negative balance three charges that we had made posted to the account and we were charged the other three overdraft fees because their first overdraft fee on a positive balance account caused us to go to a negative balance. Attempted to resolve and was given many no 's before only managing to squeeze one waived fee from them. All of this occurred while our online banking showed that we had a positive available balance.

XX/XX/2019 The overdraft fees mentioned above did not show on our account until this morning, a full day after they were supposedly posted to our account. Our online banking showed a positive balance the entire day on XX/XX/XXXX so we used our account. Because of this, the four transactions that we're made on XX/XX/XXXX will also cause us to receive four more overdraft fees even though their system relayed to us that there was no issues with our account and that we had a positive balance. These are unethical and negligent practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I owe a mobile phone bill with XXXX I made an arrangement with sequium asset solutions. They said they would do automatic withdrawal from my checking. They said they would not report this as a collection to credit bureau. I am rebuilding my credit and would like this removed. dated XX/XX/19 company is Sequiuim Asset Solutions address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GaXXXX. They started withdrawal last month and I want them to continue untildebt is paid but do not want this to show as unpaid collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( Toyota motor credit ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( XXXX ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

Lexus financial when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this companies. i have never sign anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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:
I made a merchant dispute with TD Bank in XX/XX/XXXX and received provisional credit. On XX/XX/19 part of the provisional credit was removed 56 business days after the dispute was opened. The portion of the dispute that was taken back by the bank caused my account to go negative, the bank then charges me an overdraft fee of XXXX dollars although the XXXX dollar fee was not associated to when i received the provisional credit. The bank told me that they could charge me the XXXX fee although the account going negative was a direct cause of them removing the provisional credit, my account had a positive balance before hand. I find this type of business to be unethical and fraudulent. This is an excessive fee!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29 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: CA

Complaint narrative:
I have continued to submit an investigation for a Bankruptcy place on my credit report. I have been trying to get this removed because it was place on my credit report in error and inaccurate. ALL THREE CREDIT BUREAUS have continue to ignore the information proving this was place in error and fail to properly investigate the dispute I have place in their office. 

1. They say they have verified this dispute with XXXX but I have a letter from XXXX stating this was removed because they were unable to verify the accuracy of the bankruptcy. I received this letter on XX/XX/XXXX,19. Equifax just finished an investigation on XX/XX/2019 stating the verified this with XXXX. 
2.XXXX Open the dispute on XX/XX/2019 and closed it on XX/XX/19 stated they verified with XXXX and the Bankruptcy court and I have a letter From XXXX stating they could not verify the accuracy of this dispute. I also, have a letter from the court house stating they do not verify information with the credit bureaus How could be this be on my XXXX file when XXXX has removed this item. 
3. XXXX open and investigation XX/XX/2019 and closed it XX/XX/2019 No way they properly investigation I have submitted all information to dispute the inaccurate information. Please do a proper investigation. 

Equifax, XXXX, and XXXX please do a proper investigation under 611 of the FCRA thank you very much I have attached the letter proving this this is not on my XXXX consumer report and a letter form the court house stating they do not report information to the credit bureaus from the XXXX XXXX XXXX, Clerk of Court United State Bankruptcy Court on dated XX/XX/2019 I have summited it to the credit bureaus to be ignored. I have as for a description of my investigation by section 611 of the FCRA and the information from the investigation is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I never received my right to dispute under the FCRA. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Local Management, LLC
State: SC

Complaint narrative:
1st complaint # - XXXX I originally filed my first complaint XX/XX/19. After speaking with XXXX the branch manager on XX/XX/19 & requesting she stop contacting my job ; she called back to.my office again XX/XX/19 to harass me on my job for the 2nd day in a row. After speaking with me at my job & still threatening to have me arrested at my job site, XXXX then called my husband back & threatened him again with have myself and him arrested. 
I have explained multiple times that I do not have payment & for her to follow whatever course she needs to. XXXX has continued to call my job after being told to stop. She is still threatening my husband & still threatening to come to my house. 
Also after she made threatening phone calls, she ran my credit XX/XX/19 without permission & her comment to me was she was calling every contact she could to.force me into the branch to redo.loan which I have refused to do. 
XXXX, branch manager will not stop making harassing and threatening phone calls to my job or spouse. 
Please make it stop!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX friend alerted me I had send her money on Venmo. I had no and when I went into site saw where someone was getting $ XXXX.out of my checking. I removed financial information from account that day but money moved from my checking next day. Venmo says investigating but may take weeks for refund. XX/XX/XXXX another {$1300.00} removed from checking even though financial info removed.Venmo not very helpful. Also had fraudulent activity in PayPal but refunded same day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: MO

Complaint narrative:
In XX/XX/XXXX I received a notification from my credit monitoring service that collections were placed on my credit history. 

There were no indications that a collection was occuring. i.e. no payment due notices, no late payment notices, etc. No contact whatsoever was given to me. 

After researching, I discovered that it was a debt collection from XXXX XXXX XXXX, part of XXXX, from an apparent visit in XXXX XX/XX/XXXX. Total claimed was around {$3800.00}. 

I contacted XXXX immediately upon discovering this error, and disputed the debt with the credit reporting agencies. XXXX simply stated that they had my SSN and signature and therefore it was my debt. They did not even attempt to research the issue. Also, my dispute was deemed to be incorrect by the reporting agencies as they believed that it was my debt, it is not. 

They also stated that it was a medicaid claim. From XXXX ( after moving from Colorado ) to XXXX I was on XXXX insurance. 

I contacted a lawyer in XXXX and he sent out letters to XXXX and to the reporting agencies. The letters received no responses. 

Of note, in XX/XX/XXXX/XX/XX/XXXX timeframe I did visit XXXX XXXX for a XXXX issue. At the time I was on XXXX. As stated, starting XX/XX/XXXX to XX/XX/XXXX I was on XXXX. There is absolutely no way that this was my hospital visit, and thus not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: FL

Complaint narrative:
My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( XXXX XXXX XXXX ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( progressive ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

XXXX XXXX when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.

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 2019-08-29 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: FL

Complaint narrative:
My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( XXXX XXXX XXXX ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( progressive ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

XXXX XXXX when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: FL

Complaint narrative:
My XXXX XXXX was totaled in a hit and run accident. My insurance company paid the leasing company ( XXXX XXXX XXXX ) in full. The leasing company is saying i owe them XXXX. They never sent me any letters, calls, or emails regarding this. I've also talked to my insurance company ( progressive ) and they said they accepted the check in full and there was no problem. My claims rep said they agreed on the settlement and it was dealt with. 

Now, there's a charge-off/derogatory on my credit report from the leasing company. This is incorrect.. if my account was paid in full by the insurance, why do i owe anything? 

XXXX XXXX when you take out a car, includes Gap insurance.. and they covered any remaining expenses. Now my credit is damaged and i can't take out a new car.

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 2019-08-29 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: CA

Complaint narrative:
I have continued to submit an investigation for a Bankruptcy place on my credit report. I have been trying to get this removed because it was place on my credit report in error and inaccurate. ALL THREE CREDIT BUREAUS have continue to ignore the information proving this was place in error and fail to properly investigate the dispute I have place in their office. 

1. They say they have verified this dispute with XXXX but I have a letter from XXXX stating this was removed because they were unable to verify the accuracy of the bankruptcy. I received this letter on XX/XX/XXXX,19. XXXX just finished an investigation on XX/XX/2019 stating the verified this with XXXX. 
2.XXXX Open the dispute on XX/XX/2019 and closed it on XX/XX/19 stated they verified with XXXX and the Bankruptcy court and I have a letter From XXXX stating they could not verify the accuracy of this dispute. I also, have a letter from the court house stating they do not verify information with the credit bureaus How could be this be on my XXXX file when XXXX has removed this item. 
3. Transunion open and investigation XX/XX/2019 and closed it XX/XX/2019 No way they properly investigation I have submitted all information to dispute the inaccurate information. Please do a proper investigation. 

XXXX, XXXX, and Transunion please do a proper investigation under 611 of the FCRA thank you very much I have attached the letter proving this this is not on my XXXX consumer report and a letter form the court house stating they do not report information to the credit bureaus from the XXXX XXXX XXXX, Clerk of Court United State Bankruptcy Court on dated XX/XX/2019 I have summited it to the credit bureaus to be ignored. I have as for a description of my investigation by section 611 of the FCRA and the information from the investigation is inaccurate.

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 2019-08-29 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: CA

Complaint narrative:
I have continued to submit an investigation for a Bankruptcy place on my credit report. I have been trying to get this removed because it was place on my credit report in error and inaccurate. ALL THREE CREDIT BUREAUS have continue to ignore the information proving this was place in error and fail to properly investigate the dispute I have place in their office. 

1. They say they have verified this dispute with XXXX but I have a letter from XXXX stating this was removed because they were unable to verify the accuracy of the bankruptcy. I received this letter on XX/XX/XXXX. XXXX just finished an investigation on XX/XX/2019 stating the verified this with XXXX. 
2.Experian Open the dispute on XX/XX/2019 and closed it on XX/XX/19 stated they verified with XXXX and the Bankruptcy court and I have a letter From XXXX stating they could not verify the accuracy of this dispute. I also, have a letter from the court house stating they do not verify information with the credit bureaus How could be this be on my XXXX file when XXXX has removed this item. 
3. XXXX open and investigation XX/XX/2019 and closed it XX/XX/2019 No way they properly investigation I have submitted all information to dispute the inaccurate information. Please do a proper investigation. 

XXXX, Experian, and XXXX please do a proper investigation under 611 of the FCRA thank you very much I have attached the letter proving this this is not on my XXXX consumer report and a letter form the court house stating they do not report information to the credit bureaus from the XXXX XXXX XXXX, Clerk of Court United State Bankruptcy Court on dated XX/XX/2019 I have summited it to the credit bureaus to be ignored. I have as for a description of my investigation by section 611 of the FCRA and the information from the investigation is inaccurate.

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 2019-08-29 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: OR

Complaint narrative:
Consumer Financial Protection Bureau failed to do what my taxpayer dollars paid them to do. I filed a legitimate complaint against Transunion, complaint # XXXX. CFPB received a non-response from Transunion that did not address any of my concerns. CFPB closed my complaint after receiving this non-response. If CFPB has no authority to make Transunion do the right thing, then I would like to know why they exist.

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