vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK
State: CO

Complaint narrative:
On Monday XX/XX/XXXX I made a check deposit in the amount of {$14000.00}. The next Morning, I had received credit for the check therefor I proceeded to use the funds. However, the next day XX/XX/XXXX the deposited check was in pending status and not available like the previous day. I decided I would go in personally to try and resolve the issue. I initially spoke with XXXX XXXX assistant branch manager she suggested I verify with the owner of the check if indeed the check had cleared their account. I proceeded to do just that, I verified the check has indeed cleared his bank and the funds were no longer in their account. At this point I was confused as I no longer had the funds in my account and it was not in the payers account so where was the money? Since my attempt to resolve the issue with XXXX XXXX was in vain even though I did as she suggested, I decided to email the branch manager XXXX XXXX ( which took over an hour to get contact info as XXXX was hesitant and insistent she was the only branch manager and refused to give me any other manager names I called 3 different locations to get the branch manager contact info as I knew XXXX was being untruthful contact info is not readily available online ). XXXX responded stating the reason the funds were not available is due to the inability to verify funds with the payers bank ( XXXX XXXX ), as stated before the payer verified the check had cleared the account the day before XX/XX/XXXX. I included the payer in the email, so XXXX had verification this was the case. At the end of business day XX/XX/XXXX my account was not credited the funds nor were the funds in the payers account, so the question is where are these funds? According to XXXX the earliest the funds would be available is XX/XX/XXXX. So where are the funds for the 8 days there not in either of our accounts? This has been the 4th occasional this year alone were a large check deposit is held even though it has cleared the payers account. I do not feel this is standard practice and do feel there must be more transparency when dealing with large amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
On XXXX XXXX, 2017 ace cash express constantly called from an unknown number stating they have an arrest warrant for me. They called all my family members including my ex husband. I will never borrow from they again because they were going to press fraudulent charges against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: CORELOGIC INC
State: WA

Complaint narrative:
1. " Credco '' has a hard pull on my credit report that I in no way authorized. I believe it is XXXX XXXX when they attempted to sell me an auto refinance loan that I told them I did NOT NEED nor want and they ran it anyway after I left the actual building. I believe they ran it to try to show me they could give me a better deal. Otherwise I have never heard of Credco, just that it is actually XXXX XXXX 2. XXXX XXXX keeps showing up as hard pulls to try to get me to sign up for one of their pre approved cards in the mail. This is unwanted and totally unsolicited. I throw these in the trash.

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 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX has knowingly RE-AGED an account on my credit report by inaccurately changing the FCRA Compliance Date. The law clearly states under FCRA 623 ( a ) ( 5 ), that the DOFD MUST be based on information obtained by the ORIGINIAL CREDITOR. XXXX XXXX XXXX is NOT the original creditor. 

Attached are credit reports and a demand letter from XXXX XXXX, PA dated X/XX/2007 which clearly substantiate you are fraudulently furnishing false information and responses with inaccurate data in an effort to undermine the law and severely damage my credit. 

Your responses thus far have been unsatisfactory as valid proof of the FCRA Compliance Date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: ND

Complaint narrative:
My credit report shows a hard inquiry via XXXX XXXX on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting XXXX XXXX several times over the course of a couple of years, they have been no help. XXXX XXXX told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called Transunion only to be told that I needed to contact XXXX XXXX for them to fix the issue. I have never once done any business with XXXX XXXX in my life. I need some sort of assistance to get this inquiry off of my credit score.

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 2017-11-27 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: ND

Complaint narrative:
My credit report shows a hard inquiry via XXXX XXXX on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting XXXX XXXX several times over the course of a couple of years, they have been no help. XXXX XXXX told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called XXXX only to be told that I needed to contact XXXX XXXX for them to fix the issue. I have never once done any business with XXXX XXXX in my life. I need some sort of assistance to get this inquiry off of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: CA

Complaint narrative:
I disputed the incorrect and outdated information reported by his credit repository on correspondence they received. The letter was dated XX/XX/XXXX. CHAPTER XXXX BANKRUPTCY Ref # XXXX has been withdrawn last XX/XX/XXXX and I clearly informed this credit repository in the said letter. I was able to verify this with court my self. I asked them to obtain the latest public record information from the vendor of this information and NOTHING happened. Their records still show OUTDATED info which violates FCRA.

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 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I 'm having issues with multiple overdraft fees. Especially at the end of the month. I am trying so hard to get it all figured out but this month I made multiple mistakes. I really think these fees should be per day and should not be more than the transaction. Come payday I 'll will cry as so much is taken from me especially little petty withdarawals that I wonder how they even got approved. It is so sad that these big ceos get filthy rich on the little guys mistakes or minor lack of funds. Can you please help stop this continuous issue every month. I can not keep up if they keep taking XXXX or more dollars I can feed my kids with. I am on XXXX and my husband is working as much as possible. I made the mistake this month but all I 'm asking for is a little forgiveness to try to overcome this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
Mid West Recovery Systems has attempted to collect a debt which should have been paid by my former employer 's worker 's compensation insurance company- XXXX XXXX XXXX XXXX XXXX XXXX . The company which Mid West Recovery Systems is  representing, XXXX XXXX, has been provided with the proper Worker 's compensation Insurance information. They should not continue to report the information to the credit reporting agencies. They are currently in the process of recovering the debt. 

The debt in question was a result of workplace injury- a workman 's compensation claim. My former employer 's insurance company should have paid for the debt. They claim they never received a bill from XXXX XXXX. XXXX XXXX has since sought payment through XXXX XXXX  XXXX XXXX XXXX. Prior to damaging my credit, XXXX XXXX never attempted to contact me, or my former employer before reporting the debt to the credit reporting agencies. 

My credit score has decreased by 50 points since the collections account was reported. I believe it is unfair that my credit should be damaged simply because large corporations cant communicate more effectively. I was also never notified of the outstanding debt prior to it going to the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: DC

Complaint narrative:
After 35 years of employment, my job was lost I filed chapter XXXX repayment plan and the mortgage company only reduced my mortgage {$27.00} monthly after giving my part time salary and the repayment which is XXXX monthly. They refuse to offer me nothing but foreclosure. I have lived in my house for 15 years and asking for temporary assistance and they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
This company is reporting that Im late, I dont owe this company and they havent provided me any documentation to prove that this debt belongs to me. I have disputed this with the credit bureaus which this company havent provided any original signed contract or proof to them either I would like to have this account removed from my credit report ( s ) immediately. I have attached the credit XXXX letter that I sent to this company and as well the credit bureaus.

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 2017-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2017, attempted to use my Kohl 's credit card, and was advised they showed my social security number was being used by another party. This is after five years of credit at Kohl 's, using my social security. Their solution was to restrict my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX XXXX XXXX  XXXX XXXX  XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I dont and havent ever had any Accounts under the name Chase or JPMorgan Chase & Co. No Personal or Business Savings, Checking Accounts. No Credit Cards, Home Loans, Car Loans, nor Business Loans. Nor have I ever Co-signed for anyone or applied on behalf of another person for such accounts. Nor have I ever authorized anyone to apply for such accounts or Education Loans for me. Im NOT responsible for payment of such accounts ; not even for my children. Im not and I havent ever been married. My XXXX XXXX Accounts were closed associated with Theft and Tamper years before XXXX XXXX name was changed to XXXX XXXX XXXX XXXX ; of which, was years before I moved to XXXX, Georgia in XX/XX/XXXX. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have tried in multiple occasions to close my account with PNC Bank. More than a year later I still receive statements, which means my account is open. 

I have called PNC and requested again and again to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
I have not even received any money from this loan that they say I allegedly took out. I have emailed them. Then they said that they would update the information. Then I get another email with a guy being completely rude They have contacted me all through XX/XX/XXXX and up until XX/XX/XXXX,. I can not seem to find a website on these guys. They have a XXXX number which seems long distance. 

It is my wifes email and she only uses it for XXXX.. That is the funny thing about this. Please help. They put this on my credit and I am having problems getting it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
On XX/X/17 a wire was sent to my Amegy Bank account by mistake from a customer. When I tried to transfer the money out of the account into my current bank account at XXXX XXXX XXXX, Amegy, refused to do it. They said that the account was not current because it had been dormant for so long. So Amegy told us to come back the next day because they had a hold on our account and that we could sign a form to send the money to our XXXX account the next day and close the account. However, in that same day, they tried to transfer our money back to our customer. But because I made a credit card payment from that account, because it did not show a hold and my payment went through, they told us the next day that they would release the hold. We wrote a check from the account to our current account for XXXX the next day and then Amegy transferred XXXX to our XXXX account. We had a balance in the account of XXXX. A few days later, I wrote a check to close out the account and deposited it into our XXXX  account. I was not told that there would be a wire fee between banks. So by writing the check, it put the Amegy account in INS Funds. I was then charged a XXXX Ins funds fee and a daily overdraft fee of {$5.00} per day until we paid it off and closed out the account. This is all confusing to me since I also received a letter from Amegy stating that if I wanted to keep that account open I needed to sign a form and send it back. I figured if I did not send the form back that they would consider the account NOW closed. But they did not. I am out XXXX, from this situation, it is not much, but it was enough for me to believe that what Amegy is doing is not right. When the wire was made for the XXXX they should have told us a fee would be charged and we would have added it to the wire transaction. Also, I have never ever been charged {$5.00} a day for insufficient funds in my life. Please look into this for me. 

I have the letter that was sent to me from Amegy Bank about the account status which I did not get until after this matter. I also have a copy of the bank transactions which I can send to you if you need them. Just let me know

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 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a Capital One credit card that I paid off on XXXX XXXX, XXXX in the amount of {$720.00}. I received a bill in the mail for {$12.00} for additional interest charges. I contacted capital one to have the interest removed because I have never asked for a reversal in late charges before and although I paid off two additional cards that each have an over payment on and that I have to wait up to 60 days to receive the checks, they were unwilling to reverse the {$12.00} interest charges which is completely preposterous!! 

I then tried to contact corporate headquarters at the phone number of XXXX and was told by the young man that answered that the number I dialed was a third party number and that he could not give me anymore information then a corporate mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I woke up on XX/XX/XXXX to a total of 233 separate emails regarding credit applications, installment loan applications all in all XX/XX/XXXX is when inquires begin but I did n't realize it then. On XX/XX/XXXX and XX/XX/XXXX at my last count XXXX hard inquiries were made and XXXX soft inquiries were done. I have not been able to to view all three credit reports again to see if more are coming. I tried to get on my credit report on Equifax first but die to a cyber insodent it was alarted to get a XXXX premier account. Then got 36 and still counting alarts of activities. I called XXXX first and had my credit fraud alerted. I am in the process of of faud claim with them and XXXX. XXXX said more then likely after a investigation those 50 plus inquires made overnight would be removed from my credit report as to not impact my credit score I have recently worked hard to build. However even after being not able to log on to Equifax due to the being effected by the cyber incident I was told they would n't be removed. All I could do was a fraud alert and a credit freeze. This is a devastatin blow as within the last nine months I have gone from very poor credit to gaining two auto loans and 5 lines of credit. It is very clear this was done with not as a typical consumer would do. I am even thinking I may change my email as I am being overwhelmed with credit offers, turn downs, and junk from anything that 's connected with my email link to credit bureaus. I do n't know how or exactly when this started but there has to more I can do then just a fraud report. This is my credit involved, my personal info, my employment, and worst of all impacts my financial situation when I 've been doing all I 'm supposed to to better it. I was just getting two steps ahead. Now my credit score dropped, my credit is froze, and I see no end to this mess in sight. I have worked hard for Equifax. I thought it would work just as hard for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Loan was originally from Cash Store. The company calling me is a company called XXXX. They continually call, threaten to sue ... they have called my family members in which they never had authorization to call them and gave them false information. They told my family they were calling because I had a returned check. Violating all sorts of fdcpa laws.

Company response to consumer: Closed with explanation