vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
This bank treats me horible its a disgrace how awful Ive been treated I have proof I will report them to government agencys they like to play games with me and treat me horible this is a lady called XXXX XXXX which was nice when I explained to her everything but then she kept extending the time and everyone refuses to tell me whats going on the brAnch blames XXXX throw me away and tell me to come back when its all clean red I got my report from them and nothing shows negative but then I fax it over to this lady and she told me friday she will have a response now I wait 2 weeks and I called yesterday Monday XXXX and she changed says I cant bank with them and they decided not to do business this is so unfair and discriminatory after having me waiting and cooperating with them they decide to throw me out! I hate them this bank must be investigated they have a problem with me and I did nothing to them for them to treat me this way instead of opening me an account they refuse and treat me horible over the phone bank level and branch level

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 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi there, My checking account at BBVA Compass got charged twice a Non-Sufficient Funds ( NSF ) fee of {$38.00}, totaling {$76.00} due to a scheduled bill payment of {$77.00} on XX/XX/XXXX. However, my account has a balance of {$77.00} on XX/XX/XXXX, which covers the transaction. I contacted BBVA and they said that " BBVA Compass posts transactions to accounts throughout the day, compared to other financial institutions which post at the end of the day. Our real-time system allows us to more closely match the posting of transactions to an account with the timing of the actual transaction activity. Since transactions post to accounts throughout the day, deposits made later in the day may not be available to cover withdrawals that post earlier in the day. An NSF fee will be applied on the business day following any transaction that overdraws an account or if an item is returned due to insufficient funds. '' This explanation is unfair and unacceptable to most customers like me. It is beyond our knowledge to know what kind of internal system a bank use nor it is our responsibility to know that. I have sufficient fund on XX/XX/XXXX to perform the transaction while got judged by BBVA 's unique system as insufficient and got charged a {$38.00} NSF fee. The second NSF fee is even more unreasonable. Because of the first {$38.00} NSF fee, my balance can not cover the bill payment anymore. And I got charged another {$38.00} NSF fee. During the whole period, there is no notification or communication informing me what is going on and on my credit card company 's webpage, it showed the bill was paid. 

Other banks I have accounts with, like XXXX XXXX, even if the account has an overdraft, they will notify me immediately, so I can transfer money in and correct it ASAP. Moreover, they can simply deny the charge if my account has insufficient fund. And it feels ridiculous to me that the second attempt to perform the bill payment transaction at the condition that my balance dropped due to the first NSF fee, which resulting in another NSF fee. It seems to me that its system was designed to charge as many NSF fees as possible. 

I contacted BBVA and requested the full refund of the two NSF fees, totaling {$76.00}. They only refunded one fee of {$38.00}. 

Please help me get the refund for the other {$38.00} NSF Fee. Thanks in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 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:
I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. I information has been compromised from someone. 


1 ) XXXX XXXX XXXXXXXX Opened- XX/XX/XXXX ( 4 yrs, 6 mos ) - amount {$1400.00} 2 ) XXXX XXXX opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount- {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XXXX I contacted PayPal regarding them freezing mu funds on my business account due them saying my personal account was overdrawn. They are refusing to release my funds and If this doesn't get resolved I will be forced to sue PayPal due to this unlawful action. I spoke with supervisor XXXX employee # XXXX and manager XXXX # XXXX who was very rude and offered no assistance. If you could please help me resolve this matter I would appreciate. PayPal should be heavily fined when violating consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: PA

Complaint narrative:
I filed a dispute to have a item on my equifax report removed and when I called them to get a update they asked me a few security questions which was fine I answered the questions and they still tried to tell me that it wasn't me they asked if I have other credit cards or department store cards which I said yes they asked what was the monthly payments which I told them and then asked if I had fraud alert on my account and if so what month and year I told them no I don't recall having that on my account they asked me one more question which I can't remember now but I answered it I gave them all my other account information and still got treated as if I was someone else and this from the company that had a major security breach I can go to the website and login but didn't see anything about the dispute so I called them if you can give me any help to take legal action against them it will be greatly appreciated because I am tired of them and their XXXX I gave them all the information I could and still got no help please help me with any information about how to take legal action against them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The items on my credit report are unverified and I have no knowledge of these 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 non-monetary relief
Consumer complaint received 2019-05-22 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: MoneyLion Inc.
State: MD

Complaint narrative:
I've had a loan out with Money Lion since XX/XX/XXXX I paid off the full balance on or before XX/XX/XXXX. 

That loan has been paid in full and closed and a new loan has been initiated. 
They haven't reported old loan as closed and haven't reported the new loan as open They are two separate loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
On about XX/XX/2019, I received a letter from XXXX XXXX XXXX, XXXX stating that Second Round Sub , LLC was attempting to collect a debt from me. I in turn on XX/XX/2019, send them a letter requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Second Round Sub LLC. They have not sent me anything to show I own this debt. Yet I have received a letter from Court Case Notifiers that there is a case in civil court in the amount of XXXX filed against me with Second Round Sub LLC. I have never signed a contract with Second Round Sub LLC to my knowledge and they have not shown me anything that states I have, I just would like to have this matter resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened two credit card with American Express . 
1. Blue Cash Everyday card 2.Gold Delta SkyMiles card These two cards had opening bonus so I applied these. 
1. Blue Cash Everyday card Apply at American Express web site. Opening offer is {$150.00} ( or {$200.00} ) cash back if I spend {$1000.00} in 3 month. 
2. Gold Delta SkyMiles card Referred from my friend. Opening offer is XXXX Miles if I spend {$2000.00} in 3 month. 

I spend eligible amount in this month but had not received any bonus ( both card ). 
So, I inquired by chat on XX/XX/XXXX, then American Express said I spent eligible amount but offer had declined so I could not receive any bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: NY

Complaint narrative:
The items on my credit report are unverified and I have no knowledge of these 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 2019-05-22 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: NY

Complaint narrative:
The items on my credit report are unverified and I have no knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Accounts on my credit report are not mine and have not been verified by 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 non-monetary relief
Consumer complaint received 2019-05-22 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth financial Systems debt amount is XXXX account # XXXX opened on XX/XX/XXXX and XXXX XXXXy amount XXXX the account number # XXXX this was opened in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
On the afternoon of XX/XX/19, I attempted to transfer {$300.00} through the XXXX XXXX XXXX XXXX. The funds were to be sent were to be withdrawn from First Midwest Bank. When attempting to submit the transfer to a third party recipient, I received an error message from XXXX that transaction failed and that I could try again to submit the transaction. In the past, I had received this same error message and was able to complete the transfer. Due to my past experience with this type of failed transaction, I attempted 3 additional times within a span of 2 hours. 

I never received a notification from XXXX that any of the transaction ( s ) were successful. The next morning when I went into my online bank account application there were 4 transaction of {$300.00} each that had been deducted from my bank account. I then checked with the 3rd party intended recipient and they had not received any of the funds or had received a notification from XXXX that there was a pending deposit ready for them. 

I attempted to Contact XXXX on XX/XX/19 and was only given computer automated responses. However, after many attempts over several days I was informed that the XXXX company was only a transfer service and that the transaction is actually bank to bank transfers. On one of the calls to XXXX, XXXX verified that all 4 transactions failed. XXXX said that if money was not accepted it would be returned to the sending bank after 14 calendar days. 

During the same timeframe I had been attempting to contact XXXX, I was in contact with an associate, XXXX from XXXX XXXX XXXX XXXX XXXX to see what could be done from their side. Assuming the worst and worrying that there was some sort of fraudulent activity being done through XXXX, the bank destroyed the debit card and provided me with a new debit card. I was instructed to fill out a formal dispute to determine the error and the disputed POS transactions. It was determined that there was no error on their part and since I admittedly authorized the transaction with XXXX. However, when authorizing the transactions with XXXX, I was under the assumption that no money was being removed from my account when the transactions had failed each time. 

It seems that neither party wants to assume any responsibility for this issue as they are both pointing fingers at each other. In the meantime I am wondering where this {$1200.00} is and why it has not been returned to me.

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 2019-05-22 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: NJ

Complaint narrative:
Accounts on my credit report are not mine and have not been verified by 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 2019-05-22 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: NJ

Complaint narrative:
Accounts on my credit report are not mine and have not been verified by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: AAS Debt Recovery, Inc.
State: MD

Complaint narrative:
I've paid the full balance owed off of my account and it's still showing up as derogatory on my credit Full balance has been paid and account should be completely removed ; as they no longer have money owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: AL

Complaint narrative:
I have called and disputed these things on my credit report and I have let them know that this information is incorrect. my social security number is showing incorrectly and I have sent necessary id to have this info corrected. these things 1.  XXXX XXXX XXXX XX/XX/XXXX, 2. XXXX XXXX XXXX XX/XX/XXXX, 3. XXXX XXXX   XXXX, 4. XXXX  XXXX XXXX. There are also unauthorized inquires XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX-XXXX. I have attached a copy of the identity theft report I sent TransUnion and the request to block this fraudulent information. I keep getting the same response & they are hurting my actual credit reporting false 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 2019-05-22 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: Capital Accounts, LLC
State: AL

Complaint narrative:
I have made several attempts to get this removed from my credit because it was paid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC
State: TX

Complaint narrative:
They are trying to reach XXXX XXXX, someone I do not know and have never known. He would not have had this phone number for over 10 years ( because I have had it exclusively all that time ). I tell them all of this every time and they say they will remove me. Then they start calling from a new outgoing number and pretend I've never told them that and they've never talked to me before. But it's always XXXX looking for XXXX XXXX. I tell them I'm on the Do Not Call registry and they ignore it. I think because they are probably debt collectors ( but they won't verify that with me because again I'm not XXXX XXXX and don't know him ). They won't tell me where they're getting my number from/why they have it erroneously connected to him. They're rude and confrontational. They lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Accounts on my file are unidentified and unauthorized.

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 2019-05-22 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: UT

Complaint narrative:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-05-22 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: ERC
State: FL

Complaint narrative:
XXXX XXXX XXXX debt amount is XXXX account # XXXX opened on XX/XX/XXXX and Enhanced Recovery amount XXXX the account number # XXXX this was opened in XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC
State: MD

Complaint narrative:
On the XX/XX/2019, I drafted and mailed a certified letter to Reliant capital Solutions , LLC, who had contacted me by mail to collect a debt. 

I disputed the debt and asked that : 1 ) they cease all communication with me other than to validate my debt by mail, and 2 ) that if they report this debt to credit bureaus, that it is marked as disputed. 

Thus far, they have not ceased their attempts to collect, and I have received three phone calls ( on XX/XX/2019, XX/XX/2019, XX/XX/2019 ) and an email on XX/XX/2019, all with the stated purpose of attempting to collect a debt. 

Futher, I have received absolutely no documentation which acknowledges receipt of my request or validation of the debt they are allege I owe.

Company response to consumer: Closed with non-monetary relief