vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: SC

Complaint narrative:
On XX/XX/19, My checking balance was {$2100.00}. On XX/XX/19, two transactions ( {$32.00} and {$26.00} ) were posted to my account leaving a balance of {$2000.00}. A pending transaction was added to the account for {$2000.00} as of XX/XX/19 - this transaction is still pending. I saw a pending transaction for {$170.00} at that time, which, had it cleared, would have left a balance of - {$110.00}. At that time, on XXXX, I initiated a transfer from my other bank for {$150.00}, which should have left a balance of {$39.00}. 

Instead, I was charged {$36.00} each ( total {$72.00} ) overdraft fees for the {$32.00} and {$26.00} transactions. My {$150.00} transfer in and the transaction of {$170.00} both cleared on XX/XX/19. As the balance was now negative due to the {$72.00} in overdraft, I was charged an additional overdraft on XX/XX/19. The {$2000.00} is still a pending transaction and is set to post today ( online bill payment which was initiated for XXXX ). 

The bank, BB & T, agreed to waive the final overdraft fee " as a courtesy '' but refused to acknowledge that their creative accounting was the reason for any overdraft fees in the first place.

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 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
This debt was paid and credit management group promised deletion once paid, still no deletion from none of my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: VA

Complaint narrative:
On or about XX/XX/2019. I submitted notification to all 3 credit reporting agencies that there was errors filed in my bankruptcy report. I did not receive a reponse back from neither of the agencies without investigation and they said that they will no longer reinvestigate the matter unless i had more documentation which im also providing to you, the check marks beside the accounts are accounts that were included in my bankruptcy that are not mine. Ive also asked from the agencies to provide me the methods that they used to validate these and to no avail i have received nothing.

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 2019-10-03 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: VA

Complaint narrative:
On or about XX/XX/2019. I submitted notification to all XXXX credit reporting agencies that there was errors filed in my bankruptcy report. I did not receive a reponse back from neither of the agencies without investigation and they said that they will no longer reinvestigate the matter unless i had more documentation which im also providing to you, the check marks beside the accounts are accounts that were included in my bankruptcy that are not mine. Ive also asked from the agencies to provide me the methods that they used to validate these and to no avail i have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: VA

Complaint narrative:
On or about XX/XX/2019. I submitted notification to all 3 credit reporting agencies that there was errors filed in my bankruptcy report. I did not receive a reponse back from neither of the agencies without investigation and they said that they will no longer reinvestigate the matter unless i had more documentation which im also providing to you, the check marks beside the accounts are accounts that were included in my bankruptcy that are not mine. Ive also asked from the agencies to provide me the methods that they used to validate these and to no avail i have received nothing.

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 2019-10-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: AL

Complaint narrative:
I tried to charge a bill using my direct Express card and it wouldn't go through, so I went to my direct Express account and it said that my card is under fraud suspension, and everytime I call the direct Express 1-800 number and type in my card info and my social it says they don't have info about my card. I've been trying to talk to a representative for XXXX days literally and I yet to get hold of someone ... this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Cheadle Law Firm
State: TN

Complaint narrative:
i am being sued on an account for XXXX XXXX by XXXX XXXX. I lost my job. i contacted the attorneys office in XXXX after mailing my separation notice to see what my next steps were. Spoke to XXXX who advised me i was ahead on my pay schedule from making an extra payment in XXXX. advised her i would touch base in XXXX. a lien was placed on my bank account days later. the attorney has garnished ALL of my unemployment benefits which are not enough to pay my rent. I would have come up with the payment had i known they were going to take everything. i called and asked if not being able to make a payment meant that my unemployment would be garnished. i was advised they usually send garnishment to employer, but i did not have an employer. was told when i called in XXXX to touch base and make a payment when i could. i was mislead. i tried to call the attorney to discuss. was upset as i have no grocery money now and am a single parent with no support. XXXX hung up on me and XXXX  placed me on hold to review my payment history. she never came back to the phone. i stayed on hold until the sytem hung up on me. i have called back and they are ignoring my calls. i have left messages that are also being ignored. i have to work this out with them but they are not talking to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed a collection account ( XXXX XXXX ) on my credit file with Transunion and XXXX telling them that this collection account was dismissed in court. They have stated that the account is " closed ''. The problem is that the account should not have been reported to begin with. 

The reason it was dismissed is because the plaintiff knew they had no evidence that the account belongs to me. I am trying to secure a new car lease and am unable because of this problem. 

I have asked them to verify, then validate ( they said the account was validated ) when I pressed them for methods of validation. There was either no answer or the same " verified '' comment on correspondence.

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 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed a collection account ( XXXX XXXX ) on my credit file with XXXX and Equifax telling them that this collection account was dismissed in court. They have stated that the account is " closed ''. The problem is that the account should not have been reported to begin with. 

The reason it was dismissed is because the plaintiff knew they had no evidence that the account belongs to me. I am trying to secure a new car lease and am unable because of this problem. 

I have asked them to verify, then validate ( they said the account was validated ) when I pressed them for methods of validation. There was either no answer or the same " verified '' comment on correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is a debt collection agency. They do not have the right to report or collect a debt from me. I do not owe this company any money. They have reported on my credit report I owe them money. I have repeatedly asked them and XXXX XXXX/XXXX to delete from my credit report as it is meets FCRA requirements. They will not remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My interest rate is high ; therefore my balance increased from {$68000.00} to {$140000.00} through forbearances and deferments. The accounts are also duplicate on my credit report, showing loans belong to department of education, navient, and XXXX. The amounts are duplicate and negative on each account, lowering my credit score. Staff with Navient are aggressive and not willing to lower payments. I am a single mother that can not afford proposed payments. I am also concerned about the rate in which my balance increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R J Baucum Enterprises, Inc.
State: TX

Complaint narrative:
Edward Sloan & Associates has reported on my credit report a debt unpaid. I do not owe this company any money. I have requested in writing to be sent any and all information regarding this debt. They have not. I am disputing the debt and meets the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
When I make an online payment it tells me that my balance is one price ; however, it is higher than the balance that they project online. For example, my online payment was a minimum of {$35.00}, I paid the minimum but I am getting outrageous phone calls from comenity saying that my account is past due. In actually, that isn't true because I paid what they had online. When I call them and see why my account is delinquent, it's because my payment was higher than what was shown online. It was {$50.00}, not {$35.00}. So now I owe, $ 50+ {$39.00} late fee= 79. I explained to them that isn't fair because I did my part. I have pictures to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: SC

Complaint narrative:
I received a letter in the mail from ERC dated XX/XX/19 stating that I owe {$150.00} to XXXX XXXX XXXX. Account # XXXX. I called ERC and spoke with XXXX XXXX at XXXX XXXX on XX/XX/19 and stated that I have not had XXXX XXXX XXXX and they do not provide service to my address - there is not even the availability to obtain services fromt hat company. She stated that she can not verify me as they do not have my DOB or SSN. I said to remove this from my name as there are multiple XXXX XXXX ( very common name ). She indicated she can not do that. I'm reaching out to file a complaint as it's not fair to assign a debt to me that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient is the loan company. Their payment structure doesn't seem legal. For instance I paid about {$4000.00} in a year to only pay about {$200.00} of the principal. It was automatic payments but then it just stopped. They didn't call and I realized after 3 months no payments were taken out. They accrued almost {$700.00} in interest within those missed months. The principal went up. Now in order for any payments to apply to the principal, that {$700.00} in interest has to be paid off 1st otherwise it carries over to the next month and then keeps accumulating. It doesn't seem fair as my family has been paying all this money for the loan to keep increasing. Last year I had it down to {$23000.00} but today it's over {$24000.00} and that's after paying the monthly + more if we have it. Many months I paid {$360.00} instead of the {$280.00} thinking it would help but NO. The monthly interest is more than the payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: Comerica
State: WV

Complaint narrative:
I get my child support from XXXX on a Direct Express card. 
This month I can't access anything. 
They say my card is invalid. I try to use my Social # and they say it's invalid. 
No one will answer the phone. I've tried numerous times, for more than 45 min., no one answers.

I called Social Security and they say I have to talk to Direct Express. 
I've called every affiliated company and they all say contact Direct Express. 
Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/XXXX, wanted to make pmt on phone to Bank of America credit card for {$150.00} they took {$450.00}. A complaint already exist. Yesterday I get a call from BOA, a man saying he is my contact, and he will push to have refund by XX/XX/XXXX. In XXXX the last call made they said it was reported pm XX/XX/23 and would take 8 - 10 days. Now the XXXX of XXXX. I do not want a contact person. Someone needs to put a stop of this highway robbery. I need to pay my health insurance as I am XXXX I have XXXX. I am late on several bills now and this bank does not seem to care. I want my {$300.00} put back in my account, {$35.00} fee fro my bank for innsuficiant funds and since these people have so much money I would like {$25.00} for every day that they keep my money. They need to be fined and this meds to go to the media so everyone can be warned. 

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 monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: WI

Complaint narrative:
On my Visa statement ending XX/XX/2019 through US Bank there were several fraudulent charges. I contacted the bank and they reversed all of the charges except one. That being transaction reference number XXXX on XX/XX/2019 in the amount of {$1000.00} for a round trip flight to XXXX from New York. I did not fly to XXXX or any where and can not leave the country as I do not have a valid passport. Further attempts to get this charge reversed have been ignored.

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 2019-10-03 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: GA

Complaint narrative:
Hello. I had to contact the FTC and police because of fraud. I ran my annual credit report today and discovered items on my credit that are completely foreign to me. I am planning on buying a home soon. I have absolutely no idea what these items are and would like them removed as quickly as possible. Two items don't even have names attach to them only account numbers. 
Item # 1 Unknown ( account # XXXX ) item # 2 Unknown ( account # XXXX ), XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Cards Account # XXXX My account CLOSED due to non payment months ago. At the time, I could NOT pay due to extenuating circumstances ( medical issues ). I've since decided to pay and settle account for LESS than original balance ... 

I have ceased making any payments on that arrangement. 

I would like to NOW go ahead ( within next 30 business days, to pay entire balance IN FULL, approx 1,600 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: NY

Complaint narrative:
Inaccurate items reporting on my credit report.

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 2019-10-03 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: NY

Complaint narrative:
Inaccurate items reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 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: NY

Complaint narrative:
Inaccurate items reporting on my credit report.

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 2019-10-03 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:
I am a victim of identity theft. There has been fraudulent activity noted on my credit profile. Reference to  Account- XXXX XXXX, reports a {$650.00} Balance. 


I have contacted Transunion and requested for Fraudulent activity to be blocked from my credit file pursuant to section 605B. My request is for the listed unauthorized creditor to be Blocked from my credit file. Transunion has failed to honor my request. I would like for this complaint to be investigated. As this wrongful information is hurting my credit worthiness. 

Please find attached a copy of my policy report referencing my identity theft as well as my United states issued Passport.

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 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
This collector is stating that this account was open in XXXX. I have been with my current account since XXXX.

Company response to consumer: Closed with explanation