vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-21 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 XXXX XXXX accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility XXXX XXXX is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX AUTHORIZED USER NO CARD XXXX XXXX  ... XXXX AUTHORIZED USER

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 2019-09-21 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 XXXX  XXXX accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility XXXX XXXX is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX  AUTHORIZED USER NO CARD XXXX XXXX ... XXXX AUTHORIZED USER

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 XXXX XXXX accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility XXXX XXXX is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX AUTHORIZED USER NO CARD XXXX XXXX ... XXXX AUTHORIZED USER

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 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
They have done it AGAIN!!! I will attach my statement. On XX/XX/19 I used a toll road, which cost {$2.00}. Afterwards, my balance was {$10.00}. THE VERY NEXT TRANSACTION WAS AN OVERDRAFT FEE FOR {$32.00}! ~!!!!! It was the overdraft fee which made my balance negative, NOT my toll fee. Also, on the day I originally complained, I TOLD the customer service rep to RESCIND the overdraft agreement, because she told me it was my fault for allowing overdrafts ; I said, and I have a copy of this : " STOP IT!!! '' TAKE THE OVERDRAFT FEATURE OFF! '' She replied, ok. 
The way this banks does things, I HAVE ZERO CONTROL OVER WHETHER OR NOT I Am charged an overdraft!!!! I am unable to manage this, based on the way this bank does business. THEY TRICK US!!!!!!!!! I have NO control and can not avoid these fees!!!! 
The way this bank does things, I have ZERO control over whether or not I expose myself to overdraft fees. I am not able to assess this, based on THEIR statements, as they make them available TO ME!!!!! 
When I made this payment, I got NO notice of overdraft. NOW, I am charged {$32.00}. If I could figure this out or manage it on my own, it MIGHT be fair, but even that is doubtful. The way they process transactions makes it IMPOSSIBLE for me to avoid their overdraft fees. Please, CFPB, READ THIS!!!!!! The bank will not tell the truth!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I owe about XXXX on this car that I verbally told take due to I was having several cat problems and issues that I felt I should not be paying monthly for a used car thats having so much trouble. SANTANDER consumer has taking this car for over 7 years now. They are lingering and haunting my credit like they dont have a life breath to just not get off my credit. I dont letters but I get phone calls from XXXX XXXX which they are the ones working with them. I think this is fraudulent information that should of been removed if there is no communication from this company. I am going to get lawyer cause there are lots of people with this same issues with SANTANDER better known as XXXX XXXX. They are high robbery and scammers. They want to stay on your credit report for life not 7 years. I want this company REMOVED or I will settle this in court. I dont even have an account number or loan information no more. I am sick of it. By law it should be removed if no communication whatsoever from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I go on the Experian Website to freeze my credit report, which I understand by law they have to it for free, the site refuses to do it. Experian will only freeze my credit on my account if I pay monthly. 

I'm not paying monthly so they need to freeze my report online for free with no more problems.

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 2019-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Almost 4 years ago I went into a Wells Fargo and tried to get a credit card with a XXXX credit score. They told me that because I had no open trade lines that I would need to place a deposit on the card and that after 12 months of payments my money would be returned to me. And I would have a graduated credit card. This hasnt happened in 4 years, they say because I was a few days later here and there over 4 years is why my account hasnt been upgraded. Because they have been fee harvesting me for hundreds and hundreds of dollars. And refuse to upgrade my card. Other lenders see this card and dont want to extend me credit. This card reporting as secured is damaging my credit profile. And my ability to get housing and low rates on transportation and vehicle loans. 

According to the fair consumer credit act payments up to 30 days may not be used to my detriment. Only payments 30 days and over are recognized under this statute. However Wells Fargo uses this as legitimate reason to damage my credit profile. 

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
Consumer complaint received 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX PNC allowed my business checking account to be charged by XXXX even though I did not have any funds in my account. They charged and overdraft fee and then days after charged additional over and over until my balance bacsme - {$220.00} overdrafted. I spoke with someone about getting the overdraft fees waived and their customer service reps tells me that they can not waive the fees. Now my account is closed as of today. I really need my account to be reopen if possible but I am not paying {$220.00} worth of overdraft fees which I feel is not fair at all. PNC please work with me to slice this issue and restore my account again. I also have a negative balance on my personal account as well and need to get those fees waived so I do not lose my account. My direct deposit will be coming to my personal account on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This issue is concerning several transactions that have been made. My main concern is that the reordering of deposits and transactions has caused me to lose hundreds of dollars. For example, when I deposit funds to cover future charges I experience a loss of funds. In this case, I had XXXX in one account. I transferred XXXX in another account to raise the account to take a taxi from XXXX. I had XXXX in the account. The ride cost me XXXX. I should have had XXXX as a balance. I then added XXXX to cover more taxi expenses. At time these deposits and transfers were made there was enough to cover my expenses on XX/XX/19. 

On XX/XX/19, I added funds to cover as well XXXX plus what was left in the account. In all of my deposits, they covered all of my expenses. There was no outstanding debts to the bank. I deposited a check for XXXX and now I'm in a negative status? This is what the bank does and has done to me for years. 

I'm losing funds. The bank registered that I had XXXX and when I reentered the online banking page via app I read that I've XXXX cents. I'm going to cancel my accounts because this is ridiculous. I'm a XXXX patient and rely on my funds when I check my accounts I find that they are always taking from me. My money is counted for. This should not be the case. 

Second issue was that my account was used to replenish funds for another personal account without my authorization. When I called a customer service representative admitted that the feature to take funds from one to replenish another was not something I opted for. The bank mismanages my accounts and seems to think that they can do whatever they desire with my funds. This is a violation of Federal Reserves laws and my rights and freedoms as a consumer. I'm closing my accounts. 

This is truly account abuse. I'm always losing funds. The best way to deal with this is to remove the account. No one really has reached out since my last complaint and when I do the person conducting the investigation always used the excuse that the bank was right and I'm wrong. They never take responsibility for what they do.

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 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems
State: FL

Complaint narrative:
I have no idea who Financial Data Systems LLC is or who they represent. This company entered collections on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Financial Data Systems LLC is indicating that an account with the account number XXXX was opened on XX/XX/2013 and XXXX was opened with their company in XX/XX/2013. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

Financial Data Systems LLC did not provide any of the information requested and did not respond when contacted via certified mail RR XXXX XXXX XXXX XXXX XXXX When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Financial Data Systems LLC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Financial Data Systems LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Financial Data Systems LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have no idea who I. C. SYSTEMS is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. I. C. SYSTEMS is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

I C SYSTEMS did not provide the information requested when I contacted them via certified mail XXXX  XXXX XXXX XXXX XXXX XXXX. I C Systems has not provided any information regarding their claim. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized I. C. SYSTEMS as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I. C. SYSTEMS } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to I. C. SYSTEMS, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XX/XX/2019 deposit for XXXX $ XX/XX/2019 debit for XXXX $ XX/XX/2019 Debit for {$1600.00} returned XX/XX/2019 {$36.00} NSF fee accessed Institution refuses to credit nsf fee / merchant is also charging {$25.00} retuned item. In this case the bank states if I were to have taken the deposit to institution vs. submitting to the institution mobile the item would have been honored. Due to the posting order of items and the positive balance reflected on my account I had no way to predict or protect myself from the fees. This institution is notorious for inconsistency and ill compassion. Previous fee credits were bank errors.

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 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have no idea who National Credit Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. National Credit Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2013. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

National Credit Systems did not respond or provide requested information when I contacted them via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. They have never notified me of their claim. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized National Credit Systems as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ National Credit Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to National Credit Systems, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
Eos-Cca is illegally charging me for collections on an account that has never missed a payment and has always been current. They have called from multiple phone numbers that are unlisted and do not reflect legitimate business. They claim {$210.00} in debt to my Internet service provider XXXX. I have attached a screenshot that shows since my start of service through today I have never missed a payment this is extortion and is a crime.

Company response to consumer: Closed with explanation