vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 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: OH

Complaint narrative:
Re : Notice for Proof of Claim Account : XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking  assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the  collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between ALL AGENCIES and that gave you the right to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NY

Complaint narrative:
On Friday XX/XX/XXXX I paid two bills from my Bank of America account ending in XXXX. At the end of the same day one of them had cleared my payment and the other on the next day. I have emails proving this yet my bank ledger did not reflect these changes. On Monday my account became overdrawn and I was charged for 3 different charges when there should have only been one.

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 2019-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Eastern Asset Services LLC
State: CA

Complaint narrative:
I started receiving numerous calls from this EAS ( EASTERN ASSET SERVICES ) attempting to collected on a {$300.00} payday loan which I borrowed back in XX/XX/2018, I Informed EAS that this debt was discharged through bankruptcy back in XX/XX/2018 and the representative threatened too file criminal charges for fraud stating I wrote a bad check & its a crime too dismiss this debt through bankruptcy & it would be in my best interest to pay EAS IMMEDIATELY So I did I pay them {$350.00} which immediately after I payed them I felt robbed because I knew this debt was discharged with my bankruptcy but I didnt want to have any problems or my credit score affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly late for XX/XX/XXXX on the XXXXXX/XX/XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle is paid off and the XX/XX/XXXX late that is being reported is false. I was even told I would be charged a late fee. Please keep in mind it would be impossible to be late and/or be charged a late fee on an account that is paid off. I called and the representative that I spoke with admitted that this was their mistake and that the late fee would be waived and the late reporting on my credit report for XX/XX/XXXX would be removed. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this late of XX/XX/XXXX however, I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to the PNC Branch bank in XXXX XXXX, FL. I told the representative I needed to wire some money to a bank in XXXX XXXX, however it was to a US Account. I had some written instructions ( attached ) which I showed to her. She said I would have to have and ABA number to transfer to a US account and would need the recipients address. I left the bank that day to obtain the information. 
I asked the recipient for his address and if there was an ABA number. In hindsight, the PNC representative did not understand the meaning of a US Account with a XXXX Bank. 
I returned to the bank on XX/XX/XXXX with the information the representative requested. At that point I met with another representative. I gave her the same written instructions. 
She began the process, but had difficulty with what information to put in the computer. After a while the first representative I met with came into the office to assist. Neither of them ever called PNCs international wire phone number to ask questions or get assistance. After several tries of putting various combinations of data into the computer, they finally got it to go through The representative told me I could make the transfer in any currency I wanted. I was not sure, so I said XXXX pounds. In hindsight, she did not understand a US account with a XXXX bank either or she would not have asked me that question. She would have known just to do in in US dollars. She never advised me of any charges that could be expected by making the transfer in this manner. 
{$9400.00} was withdrawn from my bank account and {$8800.00} was deposited in the recipients account. Somewhere in fees, conversions, etc., I lost {$610.00}. 
I asked about the loss in PNCs secure message service. The bank representative who responded said she was filing a complaint. I asked how to get a copy of the transfer information and was given a telephone number to request it. 
I received the report ( attached ) which does not give me the information I was expecting. When I requested the report the PNC representative said they thought the large fees were because the money was converted twice. 
In summary, I feel the PNC representatives did not have the knowledge to make the transfer in the correct manner therefore costing me hundreds of dollars. They did not present useful information including fees, exchange rate and net funds to be delivered, before completing the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27 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: CO

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly late for XX/XX/XXXX on the XXXX   XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle is paid off and the XX/XX/XXXX late that is being reported is false. I was even told I would be charged a late fee. Please keep in mind it would be impossible to be late and/or be charged a late fee on an account that is paid off. I called and the representative that I spoke with admitted that this was their mistake and that the late fee would be waived and the late reporting on my credit report for XX/XX/XXXX would be removed. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this late of XX/XX/XXXX however, I have been unsuccessful.

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 2019-08-27 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: CO

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly late for XX/XX/XXXX on the XXXX   XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle is paid off and the XX/XX/XXXX late that is being reported is false. I was even told I would be charged a late fee. Please keep in mind it would be impossible to be late and/or be charged a late fee on an account that is paid off. I called and the representative that I spoke with admitted that this was their mistake and that the late fee would be waived and the late reporting on my credit report for XX/XX/XXXX would be removed. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this late of XX/XX/XXXX however, I have been unsuccessful.

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 2019-08-27 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly late for XX/XX/2019 on XXXX partial account numbers XXXX. ( Please see page 3 of the attached credit report. ) These student loans were consolidated prior to XX/XX/2019 and therefore the lates that are reporting are in error. This incorrect reporting late on a consolidated account is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: CT

Complaint narrative:
All happened in a 3 day span. 

My sister was letting me borrow {$5000.00} to get out of credit card debt and we were using XXXX to transfer money from her and her husbands bank account to mine. 

The first transfer happened on Friday, XX/XX/XXXX for the amount of {$2000.00}. I quickly paid that {$2000.00}. That posted on Monday XX/XX/XXXX. She attempted to send me {$2000.00}, and I saw it go through to my bank, but it bounced back because her bank thought it could be fraudulent. When that payment came in, I payed my card off immediately and this overdrew my account. 

TD Bank has a XXXX dollar overdraft fee and proceeded to charge me {$140.00} in overdraft fees and 14 maintenance fee for going under 100 $ balance. My account was back in the green Monday when my sister retransferred the {$2000.00}. 

When I spoke with the bank, they returned 2 overdrafts for {$70.00} on Wednesday, XX/XX/XXXX and said because it wasn't there bank that caused the error they wouldn't return anymore of the funds.

They justified four overdraft fees because XXXX  pulled 3 transactions from account on Sunday the XX/XX/XXXX for the amounts of {$11.00}, {$9.00} and {$1.00}. Each getting its own overdraft fee.

As I am trying to pay off debt, my corporate bank has fined me {$84.00} for a banking error that occurred when my sister attempted to send me money. Simply put my bank stole from me. I hope there is something you can do. I went to my bank and said I understand what happened and am willing to accept a {$35.00} overdraft fee, but they did not care. XX/XX/XXXX is the month I leave TDBANK, a bank that use to be amazing and is now huge and stealing from the people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27 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: PA

Complaint narrative:
I have submitted numerous disputes with TransUnion, XXXX and XXXX regarding a predatory loan that was paid in full via auto bank draft withdrawals and even after providing proof of all payments made, the aforementioned credit reporting agencies did not delete the erroneous information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: OH

Complaint narrative:
Re : Notice for Proof of Claim Account : XXXX XXXX, XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also  request to see a certified copy of any contract or agreement between ALL AGENCIES and that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: OH

Complaint narrative:
Re : Notice for Proof of Claim Account : XXXX   XXXX, XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a  certified copy of any contract or agreement between ALL AGENCIES and that gave you the right to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: CO

Complaint narrative:
XXXX XXXX XXXX and Transunion are reporting incorrectly late for XX/XX/2019 on XXXX partial account numbers XXXX. ( Please see page 3 of the attached credit report. ) These student loans were consolidated prior to XX/XX/2019 and therefore the lates that are reporting are in error. This incorrect reporting late on a consolidated account is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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 2019-08-27 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: CO

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly late for XX/XX/2019 on XXXX partial account numbers XXXX. ( Please see page 3 of the attached credit report. ) These student loans were consolidated prior to XX/XX/2019 and therefore the lates that are reporting are in error. This incorrect reporting late on a consolidated account is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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 2019-08-27 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: MO

Complaint narrative:
I disputed information on my credit report and Experian responded stating the information was accurate. I specifically asked for the method of verification along with documentation from the original creditor verifying the debt belongs to me. 

- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - 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