vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I had a transaction for a payment company XXXX XXXX XXXX for the amount {$50.00} dollar that came out of my checking account without having the funds available XX/XX/2019 and M & T bank keep charging me and my overdraft fee {$38.00} dollars the next day and I did not know that I was going to have the payment collected from my account and was not expecting this to happen and the same date this transaction occurred I move {$70.00} dollars to my other account. And I never had the funds available. And M & T does not want to be wave the fee

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 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Ive had a checking account with TD Bank since approximately XX/XX/XXXX. I regularly use the mobile deposit feature that is available on their app to deposit payroll checks. Yesterday I deposited 6 checks in the same manner as I always do. Typically my funds are available on the next business day. For some reason today they are not. When I checked my account this morning it shows a FM Deposit Hold- See SM entry next to each check that I deposited. I contacted the bank and was told that my money will not be available until XX/XX/XXXX, that is over a week away! I did not receive any alerts when depositing the checks that advised a hold would be placed. When I spoke to them this morning, I was advised that I could take the checks to the local branch and the teller could call the issuing bank to see if they could possibly clear a few of them. The checks that I deposited were from my employer, the same employer that I always deposit checks from so I dont understand the problem this time. They are holding my money hostage. This has got to be a violation of UDAAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On Friday XX/XX/XXXX I made a withdrawal from my Bank Of America card. I went on holiday for the XXXX XXXX weekend and returned on Monday and couldnt find my wallet. I checked my bank account and noticed that my account was emptied by numerous transactions over the weekend and immediately called and reported it. This week Bank Of America has decided to deny my claim trying to tell me that its consistent with the transactions made on my account when that is not the case. I had multiple bills that were supposed to be withdrawn from the account but were getting returned because of these fraudulent transactions and Bank of America has no intention of trying to find a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: NY

Complaint narrative:
Investigation did not fix error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: KY

Complaint narrative:
I have continuously over the last 2-3 years communicate with this servicer on how my Income based repayment plan is calculated. I have continuously sent in documents ( W-2 copies and pay check stubs ) to make sure my monthly amount is calculated correctly. I have followed up on everything the servicer has asked me to do. After following up with the servicer 's requests of documents I continue to get requests from them. My Income based repayment plan is not calculated correctly ... my monthly bills continues to rise by XXXX each and every year which in return is making in hard to make the monthly payments. I continue to communicate with the servicer about not adding any amounts of overtime to my overall income because I do not get overtime on a regular basis. I continue to request them to base my monthly from a 80 hour pay period in which I work. Sometimes I work over when needed but not all the time or regularly. The servicer has a very disrespectful customer service team that are unwilling to spend the correct amount of time to make sure the customer is being treated with dignity and respect. I spoke with a manager when calling in to the servicer about my issue whom took the time to look at my problem of complaint and she came back to the phone and stated that my IBR had been calculated wrong and that it would take 2-3 weeks to correct and for me to keep calling back to get my final monthly payment. This process is not appropriate and unlawful for the customer. I will continue to file a complaint with other agencies until my payment plan is corrected and the correct amount is charged to me monthly. My IBR plan went from XXXX a month to XXXX in a 12 month time period. That is a significant added amount that I can not afford monthly along with living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: IL

Complaint narrative:
CRA hasn't removed fraudulent items even after submitting FTC identity theft 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 2019-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Everest Receivable Services Inc.
State: AZ

Complaint narrative:
Received calls between XXXX and XXXX multiple times : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In early XX/XX/2019, being a Senior Citizen if XXXX years old, I was having difficulty in transferring my funds between my checking account & my savings account in my Citibank accounts. 

Due to that fact that I the Citibanks fund transfer system malfunctioned, I was under the impression that I had successfully transferred my intended funds correctly when it was not, thus resulting in a missed payment which was beyond anyone expectation n control. 
As a result, a $ XXXX/- charge which was unjustiedly n unfaired made. 

I amicably attempted to urge the bank officers in the phone to waive this fee, however, when we came to the discussion of my XXXX year of age, the Citibank supervisor unlawfully discriminated against me because I was told not to use the banks system because of my age, which is against my human rights!!!! 
I now seek CFPB to redress this ILLEGAL AGE DISCRIMINATION against me & have this issue be escalate to the proper US Authorities to deal with.

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 2019-09-06 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: FL

Complaint narrative:
There is an account reporting on my credit file with XXXX XXXX XXXX it's showing a partial account number of XXXX. The account was paid in full but for some reason it's reporting as a repossession. I don't dispute the fact that the payments were delinquent but the car was turned in after the lease was completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
At the start of this loan I had a call to my place of employment. My job has two telephone numbers. They are XXXX and XXXX. Not sure which one they are calling. However I requested that GM Financial only contact me on my cell phone. That request was honored until I was late paying. So far I have told GM Financial three times to stop calling me at my job but yet they keep calling. They call on my cell phone I answer and tell them that I cant talk because Im at work. We disconnect and then they call my work telephone number. 

The collection practices they are utilizing is very time consuming and distracting for me at my place of employment. Its causing anxiety/panic attacks. If they continue I won't be able to maintain my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to today to bring to your attention a recurring problem that I experienced with Chase bank. 
On XX/XX/XXXX my account showed that at XXXX XXXX an automatic payment was processed for XXXX , which left my account with XXXX $ later at XXXX XXXX an automatic payment was sent to XXXX for XXXX $ which left my account overdrawn at XXXX . the next day I was charged with an overdraft fee of XXXX $ for each transaction, arguing that the XXXX came first, causing my account to overdrawn and that any transaction performed following this transaction would be charged XXXX $ for each.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Debit card hold preventing use of funds. Savings account holder XXXX XXXX has XXXX managing a Health Savings Account with a current balance of {$1600.00}. I am currently unable to access the funds in a manner consistent with the deposit and funds availability agreement and I spoke to a supervisor XXXX at XXXX/XXXX  on XX/XX/XXXX who states my employer asked them to hold my funds, which is not something my employer should be able to do. The card is still active, however XXXX is has placed a hold on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
i was XXXX for a year due to XXXX XXXX i picked up in college. 
my card was used everyday while i was in XXXX, my debit cards and all.my belongings were at the XXXX with the police. 
the charges being made were all online. 
they used up over 14,15,000 $ and my bank is XXXX XXXX me with the 60 days if i had access to my bank or statements yeah i would of reported it right away. there was no way of it being me or anyone i know. i never authorized anyone ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: CA

Complaint narrative:
I have an alias of XXXX XXXX that is fraudulent. Someone applied for a card w all my information but that XXXX last name. Now it appears as an alias. I want it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 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:
Transunion has not appropriately verified an account that i have disputed 4 times. Transunion has also deleted past disputes for this account in their system when i tried to inquire about what information was provided to 100 % legally verify this debt and whether the company had the legal right to try and collect on it. I submitted disputes in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and Transunion has been parroting the information from the credit collections agency instead of verifying the agencies right to collect, amount and proof of ownership. The account is XXXX XXXX # XXXX. Attached is the most recent request for XXXX to be removed and Transunion has illegally deleted other requests that were initiated online via their website. The other disputes were submitted online via transunion dispute system. Transunion and XXXX XXXX are in violation of the fair debt collection practices act. Transunion willfully failed to provide me with any information that you are required to under Federal Law. A mere statement that these items are reported correctly and therefore verified is insufficient. You have not identified who verified the accuracy of the information or how they were verified. Only an individual in your company with firsthand knowledge must be able to, under penalties of perjury in a Court of law testify that they themselves looked at the physical documents necessary to verify the account. Transunion has not done this on each occasion. The Account XXXX on my credit report is in violation of 15 USC Section 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
I filed a complaint XX/XX/19 on Mr. Cooper home loan, nothing was resolved they still resend my checks if I miss one, and throws my account off on whatever day or date they want too, I looked over payment history and they forced another payment to come out because they where trying to foreclosure my home this company is horrible to the community and proud home owners I will report every day if I have to until it is resolved they, are bullies they think they can treat customers any way because of FHA LOAN put big envelopes on your door take pictures of ur house like they bout to sale it tomorrow, if I wasnt a single mom Id pack my things and move, they will not run me out of my mortgage, the paper work the sent over said nothing about how they resend checks if they bounce every week until it clears they dont talk about the harassment in the paper work either all it said was my agreements from cenlar, so nothing got accomplished

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/19 I have made a wire through XXXX to a company for the amount of {$1300.00}. 
Instead of sending the wire XXXX I sent it to XXXX ... but it was sent under the name gems and diamond broker as a company ... as you can see the last digit is incorrect.. I have contacted Bank of America and they claim its out of their hands and the only thing I can do is contact the number and beg to get my money back but the number is off..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
An account was opened in XXXX but ibhavw inquiries from this company every year I didn't apply for they also sent you a statement sayin the same I didn't appky for crwsit in XXXX or XXXX or XXXX Why do I have inquiries from your company please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Please review my checking and savings account for any unauthorized deposits and withdrawels.From this day forward no one is authorized to use any of the credit of XXXX XXXX XXXX .This only applies to the direct deposits from the Veterans Administration that are deposited into the above accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I completed a Chapter XXXX which did not include my mortgage. Ive paid directly myself. Im still paying my mortgage payments and my account is open and active but they are reporting it as discharged in Chapter XXXX. Ive requested multiple times to correct it and went through credit agencies as well. It is impacting my credit in a negative way. I need them to update the account to show that it is open and active as I have been paying it every month including the 5 years that I was in Chapter XXXX bankruptcy. This account was not paid through the bankruptcy it was a self pay account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: FL

Complaint narrative:
There is an account reporting on my credit file with XXXX XXXX XXXX it's showing a partial account number of XXXX. The account was paid in full but for some reason it's reporting as a repossession. I don't dispute the fact that the payments were delinquent but the car was turned in after the lease was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: FL

Complaint narrative:
There is an account reporting on my credit file with XXXX XXXX XXXX it's showing a partial account number of XXXX. The account was paid in full but for some reason it's reporting as a repossession. I don't dispute the fact that the payments were delinquent but the car was turned in after the lease was completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: NE

Complaint narrative:
Transunion is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from 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 2019-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
Complaint previously filed 2 times with CFPB and Company continues to put collection status on my credit report for fraudulent debt claim. Latest XX/XX/2019 per the XXXX XXXX credit report dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank charged me 5 separate overdraft fees on XX/XX/19. Those transactions on XX/XX/19 were not authorized to begin with. The money was put back into the account the next day XX/XX/19, but TD bank wiped me out with a {$170.00} fee. Because of this i was unable to keep my online business open, and i was not able to visit with my children. I called the bank and disputed the original transactions and begged them to return the {$170.00} they have stolen from me. I will no longer be their customer.

Company response to consumer: Closed with monetary relief