vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-26 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: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX of this year, TD Bank imposed overdraft fees and processed transactions in such a way as to cause excessive and unnecessary overdraft fees against my checking account. This is currently occurring again, and my account now sits at - {$15.00} as I have been assessed {$140.00} in fees over the last month, while my wife recovers from a XXXX XXXX XXXX an we have XXXX small children to feed. 

When I contacted them via secure message, I was first told that they could not help because months ago, they reversed a fee that was caused exclusively by an automatic transfer from my TD checking account to my TD savings account. I immediately reversed that transfer, before the fee was even imposed, and the money never left their bank. After that I received generic responses and finally, no response. 

On XX/XX/XXXX, an online utility payment came through as TWO charges ( without warning ), splitting the actual payment from the fee. Of course they run the payment first and then the small service fee, triggering 2 overdraft fees in the amount of {$70.00}. 

That same day, there are a number of XXXX and XXXX transfers finally released - but not before they process a phone payment. They save that fee for the next day, though, so I'm not expecting it and they can lump it in with another one.

So then AGAIN, a transfer requested on the XXXX wasn't acknowledged until the next day, after a gas run that it would have covered. Another {$70.00} in fees, for that and the previous day 's phone bill. If not for the {$70.00} in initial fees, we wouldn't have accumulated the second {$70.00}. 

TD Bank claims that they process payments and whatnot in the order they're received, but they don't. They hold things in pending status, they lump together overdraft fees to suit themselves, and they refuse to work with us. They exchanged one unfair practice for another, getting rich off the poor.

Now, most recently, they are forcing ANOTHER egregious fee on a {$2.00} XXXX XXXX trial - when the rest of the order already posted. That right there is an easy {$35.00} fee for them, plus the {$35.00} fee to pay our internet bill that had been cut off, overdrafting the account {$15.00} when we've been swamped with fees and no one there cares.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-26 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: MA

Complaint narrative:
Good Day Sir/Ma'am : My circumstance does not exactly fit into the canned reasons provided in the online complaint application, however I am hoping I can get some assistance with this. As I believe it affects many if not all Consumers.

1. On XX/XX/2018, I paid off my family student loan with the U.S. Dept of Education in the amount of {$1200.00}, and made a payment on my XXXX Credit Card in the amount of {$10000.00}, and a subsequent payment of {$350.00} on XX/XX/2018. 

2. I took these payment measures not only to reduce my debt ratio, but to improve my credit score as well. Just prior to making these payments my credit score for Trans Union was XXXX, and XXXX was XXXX. 

3. I was shocked and dismayed to find that Trans Union penalized me 16 points off of my score for having paid off my student loan, bring my score to XXXX, and XXXX 1 point down to XXXX. 

4. This action by me to reduce my debt, and pay off my student debt should have been rewarded by adding points to my score, not deducting points. Especially 16 points down. This is not fair to consumers who are keeping up as best they can with paying their debt down.

5. This is a lose/lose situation being perpetrated on Consumers. I can see if the account had to be closed due to non-payment, where collections or a write off of the debt were required. However, this is not the case with me, as it most likely is not the case for many other consumers.

6. I am hoping to get credited back the 16 points ( XXXX ) from Trans Union, and have the 16 points added to my original score of XXXX ( XXXX ). Although XXXX was not as harsh, deducting only one point, I feel the direction of the score should have been in the positive to XXXX. 

In closing, this is a unfair practice!! So much attention is placed on Consumers being responsible in managing their finances, paying down our debt, maintaining our creditworthiness, and when we do, we are penalized heavily for it ; therefore having negative effects on our credit worthiness.

I greatly appreciate your assistance with this matter, as I am sure many other Consumers will. Thank you so much for this opportunity to file this complaint, and I look forward to hearing from you soon.

Most Respectfully, 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 2018-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is a follow up to complaint XXXX - Wells Fargo has called and left message to call them back. We do not wish to talk over the phone and request all correspondence in writing since we will take them to court if needed. 

One of our main issues with them is the differences in communication on the phone and in writing. This is not acceptable and we should ask our calls reviewed during the discovery. 

We know we can not be the only ones who are in this similar situation - are you aware of a class action that we could join?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-26 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: TX

Complaint narrative:
I paid off this account few days back and I added my payment account and told them to use it as recursive payment. They charged annyal fee of XXXX $ which i dont know since i paid my whole balance.once they called me and said. I need to pay XXXX $ and it is past due. 
I told them you already have my account information to Autopay why did you called me they asked some details I gave them, Then they paid off the balance. Suddenly on my trans union report it says. I missed the payment after few days of payment which reduced my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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: AZ

Complaint narrative:
My XXXX XXXX XXXX credit card is lost/stolen, and has fraudulent transactions on the account # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
I have contacted Midwest recovery systems and XXXX credit bureau in regards to an account Midwest has with XXXX. XXXX. This account in the amount of {$670.00} was paid in full as of XX/XX/2018 to Midwest Recoveries attorneys XXXX and XXXX. I've sent a paid in full letter twice to both agencies with no luck. One tells me that XXXX and XXXX need to do it notify XXXX credit bureau and Midwest recovery says that I do. I have sent everyone documentation twice and faxed it once both to the above company. 
Items on my credit report with XXXX sore I have no credit card debt. And everything is at XXXX they are showing open balances from XXXX they will not correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a dispute via XXXX to TransUnion. XXXX website stated it was received on XX/XX/2018 and that the investigation should be completed by XX/XX/2018. It is a month after the investigation due date and the website still shows my dispute is under investigation. Id like to have those items removed since TansUnion hasnt completed their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit reporting agencies refuse to correct unauthorized hard inquiries and keep them in your file for up to three years. They also use your own inquiry into your own credit to lower your score and use that power in a bullying fashion. The credit agencies are arms of the bank abd utilized for that purpose only. They dont work any other way around. So the consumer has no way to really fight for equity or correct a wrong. And with a federal agency which has no teeth, these agencies act with complete impunity. Further, it takes several attempts to contact these credit agencies. Their listed numbers take you down a two option menu so if youre trying to do a more complex investigation, it cuts you off. They cut you off at whim. The whole system is a scam designed to XXXX the consumer without any dignity or humanity in favor of the bank. No customer service. Just bank protection against consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES
State: AR

Complaint narrative:
ZWICKER & ASSOCIATES FAILED TO ADHERE TO THE BANKRUPTCY DISCHARGE AND ERASE OR VACATE TWO ILLEGAL JUDGENMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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: AZ

Complaint narrative:
My XXXX XXXX XXXX credit card is lost/stolen, and has fraudulent transactions on the account # : 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 non-monetary relief
Consumer complaint received 2018-08-26 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: AZ

Complaint narrative:
The following accounts and credit inquiries listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XX/XX/2018, XXXX, XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26 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: MA

Complaint narrative:
Good Day Sir/Ma'am : My circumstance does not exactly fit into the canned reasons provided in the online complaint application, however I am hoping I can get some assistance with this. As I believe it affects many if not all Consumers.

1. On XX/XX/2018, I paid off my family student loan with the U.S. Dept of Education in the amount of {$1200.00}, and made a payment on my XXXX Credit Card in the amount of {$10000.00}, and a subsequent payment of {$350.00} on XX/XX/2018. 

2. I took these payment measures not only to reduce my debt ratio, but to improve my credit score as well. Just prior to making these payments my credit score for XXXX XXXX was XXXX, and Equifax was XXXX. 

3. I was shocked and dismayed to find that XXXX XXXX penalized me 16 points off of my score for having paid off my student loan, bring my score to XXXX, and Equifax 1 point down to XXXX. 

4. This action by me to reduce my debt, and pay off my student debt should have been rewarded by adding points to my score, not deducting points. Especially 16 points down. This is not fair to consumers who are keeping up as best they can with paying their debt down.

5. This is a lose/lose situation being perpetrated on Consumers. I can see if the account had to be closed due to non-payment, where collections or a write off of the debt were required. However, this is not the case with me, as it most likely is not the case for many other consumers.

6. I am hoping to get credited back the 16 points ( XXXX ) from XXXX XXXX, and have the 16 points added to my original score of XXXX ( XXXX ). Although Equifax was not as harsh, deducting only one point, I feel the direction of the score should have been in the positive to XXXX. 

In closing, this is a unfair practice!! So much attention is placed on Consumers being responsible in managing their finances, paying down our debt, maintaining our creditworthiness, and when we do, we are penalized heavily for it ; therefore having negative effects on our credit worthiness. 

I greatly appreciate your assistance with this matter, as I am sure many other Consumers will. Thank you so much for this opportunity to file this complaint, and I look forward to hearing from you soon.

Most Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26 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: AZ

Complaint narrative:
My XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and have fraudulent transactions listed on the 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 non-monetary relief
Consumer complaint received 2018-08-26 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: AZ

Complaint narrative:
The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit reporting agencies refuse to correct unauthorized hard inquiries and keep them in your file for up to three years. They also use your own inquiry into your own credit to lower your score and use that power in a bullying fashion. The credit agencies are arms of the bank abd utilized for that purpose only. They dont work any other way around. So the consumer has no way to really fight for equity or correct a wrong. And with a federal agency which has no teeth, these agencies act with complete impunity. Further, it takes several attempts to contact these credit agencies. Their listed numbers take you down a two option menu so if youre trying to do a more complex investigation, it cuts you off. They cut you off at whim. The whole system is a scam designed to XXXX the consumer without any dignity or humanity in favor of the bank. No customer service. Just bank protection against consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit reporting agencies refuse to correct unauthorized hard inquiries and keep them in your file for up to three years. They also use your own inquiry into your own credit to lower your score and use that power in a bullying fashion. The credit agencies are arms of the bank abd utilized for that purpose only. They dont work any other way around. So the consumer has no way to really fight for equity or correct a wrong. And with a federal agency which has no teeth, these agencies act with complete impunity. Further, it takes several attempts to contact these credit agencies. Their listed numbers take you down a two option menu so if youre trying to do a more complex investigation, it cuts you off. They cut you off at whim. The whole system is a scam designed to XXXX the consumer without any dignity or humanity in favor of the bank. No customer service. Just bank protection against consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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: STERLING JEWELERS, INC.
State: LA

Complaint narrative:
This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
So I opened a Chase XXXX Rewards Credit Card with high Available credit and had to spend {$5000.00} in 3 months to be able to get XXXX points for XXXX. So we took a vacation spent and spent about {$3500.00} on the first month than they just up and close the account the next month of the opening Credit Card. My Credit had no changes or any new derogatory marks beside actually going up a couple points. They said it was risk factors but the risk factors that they said proclaimed where there when I opened. Now I just spent XXXX dollars on a Credit Card to get rewards that I really did not need to do. I feel like it was some kind of bait and switched tactics and now my credit just to a hit Down 15 points because of them closing the account. Why on earth why they open an account and then just close it down the next month it makes no sense and since credit is so important these days I feel like they are just messing with people lives in this situation and needs to fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX   XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Currently a collection with a significant balance was reported on my credit file. I have not received any notification from this collection agency informing me of what this debt is or where it originated from.

Company response to consumer: Closed with explanation