vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
less than a year ago, needed credit card advance that my bank couldnt accommodate due to a chip card. They reccommended XXXX up the street. Went in, told you have to be a customer. Opened an account with {$100.00} and did my advance. Specifically asked about fees, told to my face there was no fee on this account. Whether put in wrong account or told incorrect information I had {$11.00} a month fee taken out. Forgot about account really, opened a letter dated XX/XX/2018 saying I need to address this or be reported to credit bureau. The entire account was drawn down by a monthly fee, then overdrafted. Now they want to report to a credit bureau? Call a branch I get a run around that really frustrates. A fee is generated out of air, I want my original deposit back and rid myself of XXXX altogether. By the way, being a customer by opening an account for {$100.00} when I advanced {$2000.00} never made sense, I mentioned this up front.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I scheduled a manual mortgage payment for {$5300.00} to be paid on XX/XX/XXXX. When the payment was not withdrawn by XX/XX/XXXX I called and asked why it had not been debited from my bank account. Chase assured me this was normal and that it would be effective XX/XX/XXXX. 

I called Chase on about XX/XX/XXXX and spoke with a rep named XXXX, who told me that the payment didn't go through. It ended up that for some reason, Chase stored a separate bank account for the automatic payments and manual payments. XXXX told me that if I made a manual payment on XX/XX/XXXX by telephone with her, that she would backdate the XX/XX/XXXX payment to indicate it was paid on XX/XX/XXXX. Had we not made this agreement, I would have made my mortgage payment on the XXXX as normally scheduled. 

On about XX/XX/XXXX, XXXX called me and told me that she was now refusing to honor her promise made in exchange for payment on XX/XX/XXXX, and would not backdate the payment. XXXX told me Chase has a voice recording that will corroborate our verbal agreement for early payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I have continuously tried to no avail to contact the lenders/payors to have all auto debits stopped but they continue to withdraw from my account. I have accrued over 7 OD Fees. I contacted the bank on the XX/XX/XXXX to let them know what was going on and asked for a new account but they did not do it. Instead I was told to file a fraud claim. They have refunded the claim amount but did not refund the OD Fee as a result of the unauthorized charges. My account was charged a few fees as a result. I have since this time accrued another debit from my account and have had my account assessed for 2 OD FEE ( {$72.00} ) on XX/XX/XXXX. If I had a new account number, I would not have been charged the overdraft fees. I should've had a new account on XX/XX/XXXX after I filed the claim with the Fraud Department

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 2018-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
Signed up for a new account since I needed a local bank in the XXXX area. As advertised, I used the code XXXX to sign up and receive a {$200.00} new account bonus which would be paid out 90 days after the account was opened if you met the terms. 

I met all the terms, but have not yet been paid out for my bank account bonus related to their advertisement.

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 2018-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Had a vehicle that was financed at the Bank that was traded in and paid off in XXXX. Subsequent to the payoff, another payment ( {$540.00} ) was sent by my bank due to my failure to stop the automatic draft in time. I have since called the Bank and spoke with numerous people ( at least 6 phone calls ) who all told me they would be sending me a check for the payment in about a week. This went on for three months. Today I called them again because I still have not received the check. The CSR that I talked to today informed me that my payment was applied to a family members account that I have nothing to do with. So I had that family member to call and confirm that the payment was posted to their account so that I could get them to refund my money. I gave her my case # and she called and spoke to two different CSRs who both told her the payment was not there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2017 I paid XXXX to XXXX accidentally. I immediately called both chase and XXXX card service and they both said the money would automatically bounce back into my account. This has NOT happened. The transaction ID is XXXX. XXXX card services has already investigated this through the consumer financial protection bureau and says that chase is the one who should issue the credit. The initial consumer financial protection bureau is number is XXXX. Please resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a certified letter to Credit Reporting Agencies XXXX, Transunion, and XXXX in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XX/XX/2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

Thank you.

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 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a certified letter to Credit Reporting Agencies XXXX, XXXX, and Equifax in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XXXX XXXX 2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a certified letter to Credit Reporting Agencies Experian, XXXX, and XXXX  in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XX/XX/2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

Thank you.

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 2018-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC
State: AR

Complaint narrative:
I received a chapter XXXX discharge XX/XX/XXXX about the middle of XX/XX/XXXX i got a bill from one of my included bills XXXX. I called and talked to them and gave them bankruptcy case number and they said ok. XX/XX/XXXX I receive a collections notice from sunrise credit service for this discharged XXXX bill. I called sunrise credit and told them the same thing and gave them all my information on my chapter XXXX case and also my lawyers info. I then contact my lawyer and give them the copy of my letter i received from XXXX XXXX and they said they would send out new letters to XXXX  and sunrise credit ... .but this has been ignored by both XXXX and sunrise credit. 

Then I get the same letter a month XX/XX/XXXX later from sunrise credit again saying the same thing. I call them once again and tell them all the same information chapter XXXX case number and lawyer information. They just said " well XXXX said it was a good debt so we have to collect on it '' So now I get a collection debt on my already weak credit report with XXXX. I disputed this with XXXX and they said they contacted Sunrise credit and they said it was a good debt so XXXX wont remove this illegal debt/collection from my credit report. I dont have access to my other reports so I cant tell if the collection is on XXXX  and XXXX but it probably is.

I just need help removing the debt from my credit report and help making XXXX and sunrise realize this is illegal to collect on a discharged debt.

Thank You

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 2018-01-27 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: TX

Complaint narrative:
XXXX XXXX had illegal obtain my information without consent in an effort to exort money out of me by walking around in the neighborhood signing people of for service without their knowledge or approval. I found out in 2017 from the Student loan department about the debt. I had a police report due to someon stealing my identity. I filed with Experian on numerous counts with this police report but, experian rep 's have intentionally and knowingly fabicate to me about filing such dispute than a rep by XXXX threaten to send to all bureaus about XXXX because I continue to file the dispute. I told her she is violating my rights and so is Experian by continuing to report the information intentionally and knowingly this account is a fraud by police report but, Experian system will not allow me to download Police report and response by sending to their XXXX XXXX which, they claim they never get. I have asked Experian to remove this from by credit but, they are aware that this is a SCAM by XXXX and refuses to remove this off my credit report. My credit is good this is the only negative thing on my credit. I am not a Debtor. I pay my bills which, my history provides evidences that my debt are paid to full balance on time. Experian continues to violate by RIGHT BY NOT REMOVING THIS SCAM ACCOUNT OFF MY RECORD -- Attached a Copy of the police report and I will also be filing with another federal office on Experian

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 2018-01-27 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: World Omni Financial Corp.
State: FL

Complaint narrative:
cra violation inaccurate information item is not mine XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
wells fargo, i over dratfed an account. for 60 days. made a agreement with wells fargo debt collection to pay everything back in XX/XX/XXXX with no one saying i would have my cards freeze, they knew we have been through hurricane IRMA and lost my job, they said we understand please pay something, i did {$25.00} and first paycheck being XX/XX/XXXX it would be paid. XX/XX/XXXX they freeze all the cards for misuse. filed an complaint with excutive department. but they would not issue another card to myself or wife which was a conjoint account. no other withdraw happened when the account was over drafted, they did charge me a {$12.00} for not making a min of 12 swipes in that month. but how could i if the account was over drafted.

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 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian credit report company has reported a negative credit report from under XXXX XXXX XXXX, in which does NOT belong to 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 2018-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: CA

Complaint narrative:
I called my mortgage servicer and requested to be reviewed for " FHA deletion '' since my home 's equity is now over 20 %. The representative I spoke to on or around XX/XX/XXXX said that he would submit a request ( work order ) for review & consideration. I called my mortgage servicer again a week later to find out the results. The representative said that my loan was not eligible for removal of the mortgage insurance due to investor requirements from XX/XX/XXXX prior to originating my mortgage in XX/XX/XXXX. I asked them to please send a written explanation about why my loan was not eligible. To this date ( XX/XX/XXXX ), I have not received a written explanation for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander repossessed a car I purchased. The said amount of {$9100.00} is on my credit report. However, after the car was repossessed I was never given the opportunity to redeem the car. According to Georgia Code Section 10-2-36 which outlines that I had options following the repossession. The lender should have notified me of my right to " redeem '' the car within 10 days of repossession. I was not given the option to demand the lender to sell the car via public auction. I was not notified of the date and time of the sale. Since I was NOT given this information I should not be responsible for any deficiency amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
The week of XX/XX/XXXX I sent validation/ verification to XXXX  , XXXX , and XXXX because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX  so they were deleted from XXXX and XXXX. However XXXX is still on all three bureaus. XXXX wouldn't delete XXXX even though they never could prove the debt to be mines. Also XXXX  couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCSPLUS INCORPORATED
State: NY

Complaint narrative:
NCSPlus Incorporated - This collection agency is representing XXXX XXXX, who we do not have a written or signed agreement with to provide any form of service. We asked XXXX XXXX to provide us with documentation of a written commitment to their company for the money owed and received nothing. Now ... this collection agency continued reporting to credit bureau and are ruining my credit score, which we completely dispute as fraudulent charges. The company should make sure charges are valid with the companies they work for before they try to collect on them, 2 ridiculous charges are in my credit score ruining like collection : 1.XXXX  XXXX XXXX Opened XX/XX/XXXX - {$13000.00} Original creditor : XXXX XXXX 2. XXXX XXXX XXXX Opened XX/XX/XXXX - {$13000.00} Original creditor : XXXX XXXX No one in my family performed a XXXX or something else to charge me the ridiculous amount of XXXX XXXX dollars, anyway I always have a medical insurance on XXXX by XXXX XXXX XXXX and I have proofs, this collector agency has a record of fraud charges with no valid proofs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: TX

Complaint narrative:
cra violaton taking more than 30 to investigate a dispute

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 2018-01-27 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: TX

Complaint narrative:
cra violaton taking more than 30 to investigate a dispute

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 2018-01-27 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: TX

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX XXXX with the balance of XXXX-acct. # as disputed by consumer within 30 calendar days since my first dispute on XX/XX/2016 and how I`m entitled to XXXX per occurrence for this violation. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX XXXX XXXX  with the balance of XXXX-acct is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

The item listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and you violated this law. 

I hereby demand immediately deletion of XXXX XXXX XXXX with the balance of XXXX-acct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ). 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations. I have copies of every credit report since 2016 showing you have violated the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Essential Lending Inc
State: NM

Complaint narrative:
I used you service, they are at the top of my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am writing to file a formal complaint against Portfolio Recovery Associates. I have notified this company with a cease and desist request however they still call me several times a day. I have also requested full debt validation and have not received acceptable proof that says I entered an agreement that requires me to pay PRA. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. Please dont send back a print out. Provide me with a contractual agreement. 
The following accounts are in question : Account # XXXX Account # : XXXX

Company response to consumer: Closed with explanation