vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX my account was overdrawn while I was very ill. I hadnt noticed this until XXXX when I replenished my account and also out of the hospital. I can not afford the overdraft fee and while I tried to explain my circumstances to a phone banker, she refused to take my illness as an excuse. I fully understand US Banks overdraft policy, however I believe {$36.00} is extremely egregious. Overdraft fees effect low income individuals the most, so such an expensive fee is very taxing on individuals at that income level. I dont think its fair that such a high fee can be assessed, without any room for budging for difficult life circumstances. To US Bank : life happens to everyday people, and to profit so greedily when your customers are literally in the most financially difficult time ( and in my case, most difficult medical time ) is both upsetting and deeply difficult to handle. I can not afford these fees, you are profitting tremendously, and your lack of human compassion is extremely troubling.

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 2017-11-06 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: CT

Complaint narrative:
I have submitted multiple disputes including asking for method of verification on 2 XXXX and XXXX accounts they are reporting in error. Ive asked for supporting documents if they claim the account is verified. I called today on XXXX/XXXX/XXXX and spoke to a supervisor named XXXX XXXX. She stated they dont have ID numbers. I explained that they did not send any supporting documentation. She stated that they wont supply any physical documentation and that I have to request it myself. Basically all of my rights under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) are in violation. She proceeded to tell me that they dispute electronically so in actuality they did not verify these accounts properly. They refuse to send me any documentation. I would love to hear what they would have to say so that I can add it to my overwhelming documentation against their company

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 2017-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
There is a XXXX 's account on my credit file that is inaccurate. It states the credit card was established I my name in XXXX XXXX I just turned XXXX this in not my account. I have requested validation of this credit card and have not received any paperwork with my signature to verify this is my debt, I have reached out the credit agencies on numerous times to have this information removed. I am being told the debt is valid however with no proof. I would like to have this credit card removed from my file XXXX account number XXXX from all three credit companies

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 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This is a general comment. When I received my mortgage I was quoted a rate and an APR which took into account the fees I was going to pay. This allowed me to compare rates in an apples to apples scenario. 

However, I do n't understand why the same does not apply to credit cards. They promise these XXXX XXXX XXXX XXXX  APR balance transfers but then charge a XXXX XXXX fee or higher. Should n't these fees reflect in the XXXX. It seems like a false advertisement. I am essentially paying them an interest rate upfront they just call it a fee. Then when the promotional rate expires you are paying interest on that fee. 

Seems like an unfair and deceptive practice to me. At least require them to state an accurate APR that includes the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have written to XXXX on a minimum of three occasions requesting proof that this account is mine. I have no recollection opening an account with them and certainly did not fail to pay any amounts owed. They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. This charge off is harming my credit profile and score.

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 2017-11-06 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: OH

Complaint narrative:
on all 3 credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} ( which I paid ) and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all 3 bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of 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 2017-11-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX is erroneously reporting I have an account open and only provided negative information painting my payment history in a negative light which has directly caused me to be declined by XXXX XXXX for a loan consolidation in XX/XX/2017 on an account for which Ive timely paid for 5 years and over $ 100K.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
At the time Equifax was hacked, they allowed my personal information to be taken. I have put a 90 day watch on my accounts with all three credit reporting agencies. I now have to monitor my credit reports on a weekly basis. I have been in contact with Equifax and I have a conformation number. I now have to sit back and wait to see what happens. It 's now going to be a pain just to open a new credit card or anything else. I 'm sure its just a matter of time before my accounts start getting hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
On XXXX XXXX XXXX I cosign for my sister a car in which later me and her had a problem getting on the same page about the car and insurance and payment in which I made the decision to take the car back to the dealership to have them take me off the loan or take the car back. I spoke to the finance manager XXXX XXXX on friday XXXX XXXX 2017 in which i had the car with me to return it was at XXXX which she stated that the finance place that she went threw was closed and said that she will reach out to me on XXXX at XXXX in which she didnt so around XXXX when i got off work i went back to the dealership which is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Mo. XXXX and spoke to XXXX XXXX again and she said when she got to work this morning and said they said it was to late the loan has been sent already. I ask for the number to call and speak to them and she did so I called and talk to an rep name XXXX in which she stated that she couldnt give me here last name i said ok i gave here my name and social to look up the account she said that there was not an account yet because it takes up to 30-45 days i told her that i was trying to return the car because I didnt want my name on the car because of personal reason she then stated that the dealership can do that since there is no loan yet so I had them page XXXX again told her what the young lady said she said that they dont know what they are talking about and there is nothing that she can do and i told here that she can and she said there is not so i decided to take the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I submitted a modification packet to Bayview Loan Servicing in XXXX XXXX. I was initially working with XXXX XXXX and found him to be very helpful. He answered all my questions thoroughly. He asked me to contact him in a week for status. I called him back and he notified me that he was no longer my rep. and that I should contact XXXX XXXX. I contacted XXXX and is when my nightmare began. XXXX was never available unless she randomly answered the phone. I would leave her voicemail messages and never heard back from her. I started getting very anxious due to the time frame so I started emailing her and XXXX XXXX XXXX XXXX The emails then became effective and XXXX would contact me first and then XXXX would soon email me. The times I did speak to XXXX her responses to my questions were one worded. She told me time and time again that my account was being reviewed by the underwriter. She then after would request additional documents which I would send to her the next day if not immediately. I noticed some of the documents requested were already requested previously. I would then just resend them to her. I got very anxious due to the time frame and contacted the XXXX XXXX. They said there was no holds on the sale for XXXX/XXXX/XXXX. I immediately contacted XXXX she called me back and I explained to her that the sale date had not been postponed. She verbally told me that the home would not foreclose. I asked her to contact the XXXX XXXX. She did n't respond to my inquiry about contacting them but reassured me the home would not foreclose. On XXXX/XXXX/XXXX I received an email from XXXX requesting docs for the modification, being that the home had already foreclosed. I had been waiting everyday for new numbers so I could start making payments and move on and that never happened. I never got the opportunity. She completely misinformed me throughout the entire process. I feel she was just buying time as weeks would pass by without talking to her. I was actually in fear of getting on her bad side as she ultimately was the person handling my account. I was notified by XXXX XXXX early XXXX that the modification had been denied sometime in XXXX due to missing doc 's. XXXX never notified me of a denial and I never received any letters from Bayview Loan notifying me of a denial. He then recommended I speak to XXXX. After the home foreclosed, I spoke to XXXX and she denied the fact that she told me the house would not foreclose. I asked her for her manager 's information and she told me his name and gave me his wrong number, she said she could n't give me his email address due to company policy. I contacted XXXX XXXX later on that morning and I spoke to a woman who gave me his phone number and email. I sent him an email and left him a voicemail in hopes to getting the foreclosure reversed. The home was recurred back to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One - 0 % interest credit card. I responded to this offer and have been using the card. I saw an interest charge on my credit card statement and checked the statement asssuming it was an error. In reviewing the statement, there is no place on the current or prior statements that indicates WHEN the promotion ends. Also the online portal does not include this information. 

I 've used other 0 % offers and the company always shows the expiration of the promotional offer on the credit card statement plus they will include a reminder before it expires. That is good business practice. 

I contacted XXXX and was told by XXXX representatives that I should have kept track of the offer. The attitude demonstrated by their customer service rep and manager is  " it 's your fault and it 's your problem ''. Good point when dealing with slimy business partners. Given I had asked for the interest to be credited back to my account and I would pay the card in full, in my opinion they are not terribly bright either. 

So XXXX, what 's NOT in my wallet is your credit card. And what 's not in YOUR wallet any longer is my significant savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: VW Credit
State: FL

Complaint narrative:
I have written to XXXX on a minimum of three occasions requesting proof that I was ever late in my payments and they have not provided me with a pay history from the beginning of the account opening. These late payments being reported are harming my credit profile and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: OH

Complaint narrative:
on all XXXX credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} XXXX which I paid XXXX and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all XXXX bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of 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 2017-11-06 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: OH

Complaint narrative:
on all XXXX credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} XXXX which I paid XXXX and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all XXXX bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BB&T CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I received a XXXX notification that an account had been opened at XXXX XXXX XXXX XXXX XXXX BB & T ) XXXX Texas branch using my social security number. Immediately XXXX attempted to contact BB & T, but no calls were returned. A couple of weeks later, another XXXX notification indicated some account activity at that branch. A three-way conference call between myself, XXXX and " XXXX '' from the XXXX XXXX took place and the issue was discussed. XXXX said she was unable to determine or view which documents were used to verify identity and open the account. 
a. I find this response odd as identification should be provided when an account is open, and this information should be accessible by parties in the bank with high-level access. 

During the call, I was assured that XXXX would contact the person who opened the account and that verification would be determined. She was to return my call within two days.
Three days went by and I had not received communication from the XXXX XXXX, so I called them back. 
XXXX told me she was 'meeting the client that night after hours to verify identity '' and that I would be called back the very next day! 
a. I find this statement odd. Since when do bank managers meet clients after hours to verify the identity of a person when it should have been provided when the account was open? 

Now four more business days have transpired and there has been no contact in any form from BB & T. I reached out again today to speak with XXXX and was told she was out of the office until Thursday. 

It is VERY frustrating that an account can be opened using someone else 's SS #, and that the complaint of such activity has to be escalated to this level. My experience with banks and credit unions are that I always have to provide identification, and that information is kept. I see no reason why the XXXX XXXX can not explain how my SS # was used and that proper identification was not gathered.

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 2017-11-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
DID NOT AUTHORIZE THIS INQUIRY Syncb/qvc Inquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX This inquiry could stay on your report XXXX XXXX. 
See an error? 



XXXX XXXX XXXX XXXX, FL XXXX XXXX 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 2017-11-06 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, 2017, CASE NO. XXXX AND NATIONSTAR FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: CA

Complaint narrative:
As per the FCRA, I am requested the method you used to verify the accuracy of account, they did not disclose the method or send me any evidence of verification of the account they have on file. They ignored my request and just sent me a letter saying it has been verified.

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 2017-11-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SIMM Associates, Inc.
State: MS

Complaint narrative:
Caller from Simms Associate called two people with the same last name as mine stating I had warrants and that he would come to my physical address and shared with them my physical address Then he left voice mails.The voice on one message was the same as the voice of a Simms Associate who contacted me on a student loan that keeps changing lenders. The caller was very disturbing to the individuals whom used the information he gave them to come to my parent home! Calls from XXXX with the scare tactic and XXXX as a Simms Associate was the same guy they let me compare the voicemail to what I had on my phone.

Company response to consumer: Closed with explanation