vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi, There is NO reason that banks should charge fees for withdrawal transactions submitted to a bank account. They are well aware of the account is empty. If they cared about benefitting the customer, they would block it, with no consequences. Instead, they charge an egregious {$35.00} industry fee. This fee would never be allowed, except these banks have regulatory monopolies given by their special government mandates. Moreover, they charge the same fee as many times as transactions occur. Using their app to check my balance, they also slow the update time, so that it is IMPOSSIBLE to check your real-time balance. Therefore, your ONLY hope of avoiding overdraft fees ( even if you do everything possible to avoid it ), is to never allow your account to fall below many multiples of your monthly withdrawal volume. ( E.g. if I spend $ XXXX / mo, then I need to maintain $ XXXX in my account, otherwise the multiple transactions hitting the same bank account may overdraft, given it is impossible to check the real-time balance given the banking delays. All major retail banks have this. This means if the transaction fails or you can not know about the overdraft ( THEY DON '' T EVEN TELL YOU AND I REALIZED MANY HIDDEN FEES IN OLD TRANSACTIONS ). THESE BANKS DON '' T HELP CONSUMERS THIS WAY. THEY STEAL MONEY THAT CUSTOMERS DESERVE THE RIGHT TO PREVENT. I SHOULD NOT NEED TO HAVE STUPID AMOUNTS OF MONEY IN MY SAVINGS ACCOUNT BECAUSE OF OVERDRAFT FEES. I LOSE HUNDREDS OF DOLLARS, THE BANK ALSO STEALS, IN OPPORTUNITY COST XXXX XXXX XXXX DOLLARS A XXXX YEAR HEY GOVERNMENT. IF YOU'RE GOING TO CREATE BANKS. FIX THE XXXX OBVIOUS ABUSE OF POWER. DO YOUR JOB. THE FACT THAT OVERDRAFT FEES EXIST PROVE HOW MUCH YOU XXXX XXXX AND SHOULD NEVER HAVE HAD OVERSIGHT. I WOULD CREATE A NEW BANK TO FIX THIS PROBLEM, IF YOU LET ME. YOU ONL.Y LET THE XXXX EVIL PEOPLE START BANKS AND XXXX PEOPLE OUT OF THEIR FUNDS, EARNING RISK FREE PROFITS BECAUSE OF THEIR GOVERNEMENT PROTECTED MARKET POSITION. CUT THE OVERDRAFT FEES OR ADMIT YOU'RE XXXX XXXX XXXX XXXX THAT HURT YOUR COUNTRY MUCH MORE THAN YOU HELP. BAD AMERICANS. DO SOMETHING. DON'T XXXX ARGUE WHY OVERDRAFT FEES ARE GOOD. I'M RICH. I DON'T CARE ABOUT HUNDREDS OF DOLLARS. YOU XXXX DESTROY PEOPLE WITH YOUR REGULATIONS WHO STRUGGLE TO SURVIVE. XXXX STOP THE OVERDRAFT FEES. REVIEW THESE BANKS TOP TO BOTTOM. HAVE CONGRESS EXECUTE, AND TESTIFY. GET YOUR XXXX COUNTRY IN ORDER YOU XXXX USELESS GOVERNMENT AGENCIES. 

PLEASE REQUIRE THAT BANKS REMOVE OVERDRAFT FEES. THEY DON'T EVEN WITHDRAW THE MONEY. ALL THEY DO

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 2020-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery calls me AT LEAST once a week and threatens to sue me for my uncollected debt. They call and dont announce themselves just ask to verify my birthday and address in a very non-secure manner. Theyve used abusive and explicit language on the phone with me over the past 1 year and continue to call me although I do NOT have a sign contract or agreement with their company. Ive told them to leave me alone and they continually harass me. I need to leave me alone so I can have some peace of mind. 

Theyve also assigned my minor account over to an attorney over our disagreement but once again I DO NOT have an agreement or contract with Portfolio Recovery so I have no idea why theyre calling me harassing me trying to collect money that isnt owed to them. When they bought my debt from XXXX XXXX it became their problem, not my problem anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of 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 2020-12-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SLM CORPORATION
State: PR

Complaint narrative:
I am the co-signer for a student loan and through the interference of an attorney obtained by student because of the continued harassment calls and email messages from Sallie Mae the attorney was able to obtain an extension through XX/XX/XXXX. Per Sallie Mae Bank, I am still responsible for payments dating back from XX/XX/XXXX hrough XX/XX/XXXX. Although no payments were due from XX/XX/XXXX through XX/XX/XXXX, interest in the amount of {$3000.00} was accrued during that period. 
I was never informed by Sallie Mae Bank that the student 's loan was granted an extension nor received communication from them regarding payments due. 
I became aware of this situation through an email from XXXX XXXX, a service provided by my XXXX credit card, that advised me of the activity and how it impacted my credit score. Through their service I read that Sallie Mae Bank had furnished negative information regarding non-payment of student loan to the 3 credit reporting agencies without informing me first that I was responsible for paying loan and non-payment will result in negatively impacting my credit. 
I contacted XXXX, Account Manager at Sallie Mae on XX/XX/XXXX to inquire about the student 's loan being extended until XX/XX/XXXX, where she could not find documentation regarding the extension and informed me that I was still responsible for monthly payments even though I never received any written communication from Sallie Mae. 
I do not understand how the student gets an extension on her loan but I, as a co-signer am still responsible for payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX calls me AT LEAST once a week and threatens to sue me for my uncollected debt. They call and dont announce themselves just ask to verify my birthday and address in a very non-secure manner. Theyve used abusive and explicit language on the phone with me over the past 1 year and continue to call me although I do NOT have a sign contract or agreement with their company. Ive told them to leave me alone and they continually harass me. I need to leave me alone so I can have some peace of mind. 

Theyve also assigned my minor account over to an attorney over our disagreement but once again I DO NOT have an agreement or contract with Portfolio Recovery so I have no idea why theyre calling me harassing me trying to collect money that isnt owed to them. When they bought my debt from Capital One it became their problem, not my problem anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: FL

Complaint narrative:
XXXX XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XXXX of XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely 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 explanation
Consumer complaint received 2020-12-06 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: FL

Complaint narrative:
XXXX XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XXXX of XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: FL

Complaint narrative:
XXXX XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XXXX of XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely 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 explanation
Consumer complaint received 2020-12-06 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has stated it gets information From XXXX. The only way I found that out was to ask for a supervisor. At first I was told they don't give out that information. How can one dispute any info on a credit report if they don't have the source to which Experian uses? 

I provided documentation showing that XXXX had removed a bankruptcy. They responded with " the company '' reports the information correct. I demand to know " WHAT COMPANY '' they are referring to, and provide me with that in writing from that company or remove the incorrect information from my credit report. If that's the case I can say " the company '' I reached out to removed the incorrect information. 

Experian is extremely secretive in regards to the fact they get information from XXXX. Doing a search only brings up Experian results. Then they tell you they only do disputes through mail. 

It very frustrating. This time I am clicking the check box below because I want others to be informed as to how they make it difficult to communicate with them when trying to have a bankruptcy removed. 

I contacted the court house and they do not give information to any credit bureau. I only want to be treated fairly.

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 2020-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/2019 ordered product from revolution fit muscle using citi bank card, it involved a charge of XXXX for on a 14 day trial, was not happy with product cancel but was a little late, so when the second shippment arrivied I SEND IT BACK. when I disputed the charge of XXXX, citi bank investigated and but did not revers the charge, and reported it as late on my credit report. A disputed item is classifies as a billing error right. Why should I pay for an item that was send back. Citi card is wrong or they did a poor job of investigating. Sincerely 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 2020-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
In XX/XX/2020 I was sent a letter from Capital Accounts that indicating that I owed XX/XX/XXXX for unpaid dental bills that totaled about {$1000.00}. I asked for a detail of the bills that were not paid. What I received back from Capital Accounts was a statement with approximately 20 pages of 5 years of billing. The statement did not match payments to bills and did not indicate which bill ( s ) was/were unpaid. By reading the statement, I have no idea which bill ( s ) are unpaid, if any. I can not research any unpaid bills, if any, for the signed authorization for the service, the EOB and the amount paid. To this date, I do not have copies of any unpaid bills. I sent a letter to Capital Accounts which I have attached letting them know all of the issues I have mentioned. I also directed them to FCRA section 623 which states the following : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

And also states : ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

And finally : ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Since the statement does not match payments to the bills, there is substantial doubt about the accuracy of the information because good bookkeeping policies were not in place.

Capital Accounts reported the amount presumed owed to credit agencies which decreased my credit score by about 100 points. Not only did Capital Accounts report the amount as unpaid the the collection agency, but I have to assume they did not indicate that it was disputed because my credit score dropped by 100 points. 

I am asking that Capital Accounts withdraw the reporting to the credit agencies. 

Thanks, 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 2020-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
I applied for refinance with Amerisave back in XXXX, 2020 and paid XXXX $ application fee. Until now, there is still no closing happened and representative still can not give me an answer on closing date. They keep saying it will happen soon. Lock in date has expired and no closing occurred. Their logo was also changed which is very fishy. They also required me to submit paystubs again even though i did that in the beginning of my application. I also see this problem occurred with other people on XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-06 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: TX

Complaint narrative:
XXXX XXXX REPORTED A 30 DAY LATE ON ALL MY CREDIT REPORTS. XXXX STATED THAT THEY HAVE CORRECTED THIS WITH ALL THREE BUREAUS BUT NOT ONE IS REMOVING IT ( XXXX, EQUIFAX AND XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, Chase froze my personal debit checking account 2 weeks after I received the SBA EIDL loan into my account. They said they needed documents to prove my eligibility of the loan. I provided them all the documents that they asked for, but they still will not release the funds or send the loan amount back to the SBA. Now its going on almost 4 months since this has happened, and there is no way to check what happened to the loan money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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:
XXXX XXXX REPORTED A 30 DAY LATE ON ALL MY CREDIT REPORTS. XXXX STATED THAT THEY HAVE CORRECTED THIS WITH ALL THREE BUREAUS BUT NOT ONE IS REMOVING IT ( XXXX, XXXX  AND TRANSUNION )

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 2020-12-06 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: TX

Complaint narrative:
XXXX XXXX REPORTED A 30 DAY LATE ON ALL MY CREDIT REPORTS. XXXX STATED THAT THEY HAVE CORRECTED THIS WITH ALL THREE BUREAUS BUT NOT ONE IS REMOVING IT ( EXPERIAN, XXXX  AND 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 2020-12-06 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: CA

Complaint narrative:
INSPITE OF MANY REQUEST THIS CRIMINAL-EQUIFAX NEVER STOPS IN HARMING ME. EQUIFAX REPEATEDLY PUTTING WRONG ADDRESS IN MY CREDIT REPORT AS SHOWN BELOW : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FURTHERMORE, THIS CRIMINAL IS MANIPULATING MY FICO SCORE LOWER EVERY MONTH BY PUTTING FRAUDULENT/WRONG INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: TX

Complaint narrative:
I have written letters to EQUIFAX andXX/XX/XXXXin compliance with the CRA on XX/XX/2020, again on XX/XX/2020, and on XX/XX/2020. 
They have failed to remove information that was affiliated with personal details that were challenged in the past, along with none verification from the collection agency XXXX XXXX XXXX ) Acct # XXXX I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation