vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-25 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: BB&T CORPORATION
State: AL

Complaint narrative:
I maintain a separate account for my bills ; this account also has an overdraft protection account ( OPA ). On XX/XX/XXXX, my account balance was {$0.00} and the available balance in the OPA was in excess of {$300.00}. On the night of XX/XX/XXXX I had an ACH debit in the amount of {$36.00} which overdrew my account ; however, should have been easily covered by my OPA. Instead, this transaction was not covered by OPA and was assessed a NSF fee of {$36.00}. Subsequently, on XX/XX/XXXX, I had a credit of {$450.00} in addition to a debit for {$380.00} the same day. Since the transaction on the XX/XX/XXXX resulted in my account being negative {$72.00} ( {$36.00} plus {$36.00} ) the additional credit and debit ultimately resulted in my account being overdrawn {$2.00} which again resulted in an NSF of {$36.00}. 

I contacted BB & T to question why the ODA did not cover the {$36.00} on XX/XX/XXXX. According to the representative, XXXX, the amount of pending bill pay transactions ( which were to be debited from my account on XX/XX/XXXX ) were on " hold '' which then prevented the ODA to cover the transactions. I explained that although the funds were on " hold '' they were not scheduled to be debited from my account under XX/XX/XXXX which at that time there would have been sufficient funds in the account. XXXX explained that a 'hold ' is placed on the account for pending bill pay transactions once the transactions are in the " processing '' status, which is completely different and will negatively affect hundreds of thousands 'grandfathered ' clients. 

NOTE : I, the consumer, has not knowingly been notified of any changes to the BBT bill pay system or the manner in which transactions will be held/handled from the processing to paid status through BB & T 's bill pay. 

XXXX offered to reach out to the IT department when I questioned if there had been a change to the way their bill pay services worked. XXXX stated that the IT tech said that they have converted accounts from past mergers/acquisitions to BB & T 's bill pay system. I was not notified of the conversion and the impact/difference between the two bill pay systems.

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 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements and tax liens must contain minimum identifying information. they could not tell me how they verified the 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 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX, 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements and tax liens must contain minimum identifying information. they could not tell me how they verified the 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 2017-08-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: CA

Complaint narrative:
Have a court order since XXXX XXXX 2011 Court found it on my favor. Ever since the apartmentd XXXX are putting me on collection for the amount of {$1800.00}. 
They have not removed it. Even when I have proof and summit to my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I had a auto loan through Navy Federal Credit Union starting in XXXX. The loan was for a higher interest rate than I would have like but at the time I needed a vehicle and it was the best offer the bank would provide. Long story short, I went through some hardships such as divorce and job loss and tried to re-finance the vehicle but never received a response from the bank or any assistance on plans to make lower loan payments. The vehicle was then repossessed and auctioned and the remaining balance was my responsibility according to the bank. So again I was put on a payment plan however the payments were too high to keep up with and fail to continue to make them. I had a direct deposit going to the account that Navy Federal never debited nor did they provide me a way to pay the loan using my online portal. Once I switched jobs again and setup direct deposit to my checking account Navy Federal just decides they are going to take 90 % of my deposited paycheck without any warnings or notification. During this time I ask to have some of the fund returned back to the account but was denied on XXXX/XXXX/XXXX @ XXXX cst and on XXXX/XXXX/XXXX XXXX cst by two different customer service reps who claimed to not have the authorization to return the funds. I also express I have a court order to pay those funds to Child Support enforcement and that typically those funds would not have been placed in the account since they are deducted straight from my paycheck. Again I was denied and instructed to call back on XX/XX/XXXX XXXX/XXXX/XXXX. Banks acting as collections agencies should not have the ability to, without warning and justifiably garnish your paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have been a customer of PNC bank since XX/XX/XXXX, when it acquired XXXX bank ( which I had been a customer of since XX/XX/XXXX ). Recently, PNC changed the terms of my checking account without adequate notice. One day last month I noticed an {$11.00} fee assessed to my account. I used PNC 's online messaging system to request a refund, which was granted. I also chatted with their online service to try to figure out why I was assessed the fee and how I could avoid it going forward. The terms were n't quite clear to me so I went into a local branch to discuss with a banker in person. Even the banker was a bit confused as to what was required to avoid the fee ( apparently I have an old account which they do n't even offer anymore ), but he told me that I either needed keep an average balance of {$1000.00} per month OR I needed to both receive a direct deposit AND pay a bill using their billpay service each month. I do already receive direct-deposit twice a month at least and then I signed up that very same day to pay a bill using their billpay. However, I was assessed an {$11.00} fee again this month. I contacted my banker to ask for a refund and was told that my bill-payment was made 1 day outside the window of my bank statement and that it could not be refunded. I explained to him that the terms had been unclear and it seemed unfair that, although I did jump through the bank 's hoops and do what was required, I was still assessed this fee. And by the way, I had not been made aware of when the bill payment needed to be completed by, so the fee seems unreasonable. The bank 's tactics have been confusing and deceitful. I wonder how many other customers they are doing this to ... and how can they change the terms of my account without adequate notice? Thank you in advance for your time and your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
The main issue with the company is the amount they set my escrow account at.
I built a new home and closed inXX/XX/XXXX My loan was transferred to LoanCare 2 months after I closed.
I have been trying to resolve the issue sinceXX/XX/XXXX and I get no help from them. Here is the issue, Because the home is new construction I wont have to pay my full property taxes until XX/XX/XXXX forXX/XX/XXXX ( this was verified and communicated to LoanCare, they even called the county tax department and verified this ) so for this year my escrow should be {$1000.00}, {$750.00} for my insurance, {$100.00} for the land property tax and a small slush fund that some companies require for both this year and XX/XX/XXXX.
Instead they have my escrow at {$460.00} a month, which I cant afford a {$2000.00} payment. My P & I is a little over {$1400.00} which when I had the home built I had asked about the amount of my taxes with the county to make sure I could afford the total payment and because I am a XXXX Vet I get a discount off my assessment of my home. So in XX/XX/XXXXwhen my property taxes will come into effect, my taxes will only be no more than {$1600.00}, instead of {$2700.00} a year.
I have asked for an escrow adjustment, this like I said been going on with them since XX/XX/XXXX. They did it and raised my escrow payment even more. I now have over $ 4k in my escrow and am behind about 3k in payments which I would actually be up to date on my payments if they would make the adjustment and apply like I have been asking the extra 3k to my loan. What Loancare does is seeing I am only paying them {$1400.00} each month as I cant afford the escrow payment and they will not adjust it to the correct amount, they keep my monthly payment in an escrow account and wont apply any of the funds to my loan until they get the next payment and finally gets the total payment asked for.
I was told when I talked to them that because I was n't paying MIP I could close my escrow account and handle it on my own, I only had to send in an email asking for that and they would send me the paperwork. I did that and got a letter from them saying that because I was 30 days late on my payments I could n't close my escrow which is their fault not mine.
I am to the end of my rope, and I need help from someone to resolve this issue before I lose my home and am homeless. Loan Care is the worst company I have ever dealt with in my XXXX  years. I have owned 2 other homes and never had an issue like this.

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 2017-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: PA

Complaint narrative:
contacted on XXXX XXXX by phone as to a debt owed, So I asked them for written notification now XXXX XXXX2017 nver received what I asked for original signed aggreement and the balance from XXXX to present. So they are in violation of the Fair Debt Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : Ally Financial Inquiry : XXXX I never authorized Ally Financial nor XXXX to pull my credit in the months of XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.

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 2017-08-25 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: NCC Business Services, Inc.
State: NC

Complaint narrative:
I was a resident at XXXX XXXX, I moved out on XXXX2017 and management failed to remove me from the system, I was still being billed and I called several times and spoke to management and they assured me that the balance would be corrected. I later received notice a month later that the balance had been reported to a collection agency. I called the collection agency and advised them of the error, they stated that they just needed documents from XXXX XXXX  Management so I went to their office and was assured again that this matter would be taken care of. It is still on my credit and causing my score to decrease. XXXX XXXX does n't care and I need help because I am currently in the process of building and maintaining good credit. I pay everything on time and their negligence is causing harm to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
Spoke w/ XXXX at PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with PDM or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on XXXX, XXXX and XXXX.
I do not owe this debt and this account does not belongs to me 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 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: LA

Complaint narrative:
OnXX/XX/XXXX I received an email from XXXX  saying that I was denied credit because of factors in my Credit Report. On XX/XX/XXXX I received a second email from XXXX saying that an additional attempt to get a loan was denied. ( I never applied for ether of these loans and sent over a police report for identity theft after the first email was received. ) Upon receiving the second email, I tried to get a credit report from SageStream, the credit reporting agency that XXXX based their decision off of ... To verify the accuracy of my information in their report and to make sure that there were no hits from the two loans that someone had tried to open in my name ... 

After navigating to SageStream 's site, they requested that I mail or fax them copies of my drivers license / passport picture page / military ID card ( the last is a violation of federal law btw ) and social security card, with any of the following : - Recent cable, utility or telephone statement with your name and current mailing address - Bank statement with current address - Rental lease agreement showing current address - Voided personal check with your preprinted current address - Notarized letter from the your landlord confirming your current name and residential address - Mortgage statement with the current address. 

There is no way that I am sending hard copies of that information to anyone just to get a copy of my credit report, especially from a company that I have never heard of until now!

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 2017-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MA

Complaint narrative:
I was charged an annual fee of {$49.00} to my credit card account ending in XXXX on XXXX. 
I called US Bank on XXXX and the representative offered to waive the annual fee, and I accepted this offer. 
As of XXXX the fee was still posted to my account, so I again called US Bank. The representative told me they were unable to waive annual fees. This directly contradicts the conversation and the offer I was given on my previous call.

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 2017-08-25 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: SC

Complaint narrative:
Spoke w/ XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with XXXX or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on Transunion, XXXX and XXXX.
I do not owe this debt and this account does not belongs to me 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 2017-08-25 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: SC

Complaint narrative:
Spoke w/ XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , FL XXXX ( XXXX ) XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with XXXX or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on XXXX, Equifax and XXXX. 

I do not owe this debt and this account does not belongs to me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Debt Holdings, LLC
State: GA

Complaint narrative:
I was called twice by XXXX twice on Tuesday, XX/XX/XXXX, 2017. I was called by a man who threatened to sue me. He stated that he was on his way to my house location to handle my situation. He also knew the type of car I drove and said he has a tracker on me and will find me and before he hung up he said " Good luck. '' I know for a fact that is not proper collection policies and definitely violates the telecommunications act. I did some researching and the name of the company is United Debt Holdings. I immediately called their XXXX number to set up payment arrangements to avoid getting sued, but once I did that I realized they tricked me with illegal talk like suing and arresting me. The XXXX number is XXXX and I spoke with a guy name XXXX He took my debit card and set up payment arrangements for a XXXX XXXX XXXX XXXX. Please understand that his definitely violated the collection policy. This is not fair how they are threatening others for a small debt like a phone.

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 2017-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Receivable Solutions, Inc. # XXXX XXXX XXXX {$510.00} is not my debt and I have requested on several occasions to have this account removed from my XXXX  and XXXX credit report. I DO NOT HAVE A CONTRACT WITH RECEIVABLE SOLUTIONS AND DO NOT OWE XXXX XXXX AND MONIES AND DEMAND  THESE ACCOUNTS BE TAKEN OFF MY REPORTS

Company response to consumer: Closed with explanation