vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 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: FL

Complaint narrative:
My loans were in forbearance until the month of XXXX. In XXXX however I took 2 summer classes which should have put my loans in a deferment status. XXXX has not reported since XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.

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 2018-07-18 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: Nelnet, Inc.
State: CA

Complaint narrative:
Hi, I paid off my student loans, due to this my credit score dropped 56 points - this has drastically hurt my chances of getting a loan and buying a home. This should not have happened. I am being punished for paying off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I contacted Trans union customer service on XX/XX/2018 after looking over my credit report and noticed that there where several inquires that I had not recognized nor given permission to inquiry about my credit report.

After explaining to two different customer services representatives that there where multiple discrepancies they refused to be at any assistance and refused to remove the inquires and stated that they do not hurt your credit score.

The inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   As well as multiple promotional inquires that I had never given permission to inquire of my creditXXXX XXXX XXXX XXXX XXXX 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 2018-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On Sunday XX/XX/2018, I browsed the XXXX website with an interest in purchasing the Frame TV. XXXX advertised a partnership with TD Bank allowing for interest free financing of the TV. I applied for the financing with TD Bank and was immediately approved. My credit score was adversely affected because of the credit inquiry and subsequent extension of credit to purchase the TV as advertised by XXXX. Upon placing the order with XXXX, my account was flagged. XXXX said that they often have this " glitch '' when receiving orders being paid with TD Bank 's financing even though I was fully approved. They advised me to verify the shipping and billing address with TD bank, all of which I did. XXXX said that they would remove the flag and that I would be able to place the order using the TD Bank financing. Today, I received an email stating that they would not remove the flag and to place my order using another method of payment. As I explained to XXXX, that response was unacceptable since they fraudulently induced me to apply for credit with TD Bank, thus affecting my credit score, when three XXXX representatives told me that they are aware of a " glitch '' in their system that will not allow the order to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: NV

Complaint narrative:
The bank is charging me a {$36.00} over draft fee dated XX/XX/2018 where as I had opted-out for them to reject all charges if there is NOT sufficient fees to cover the charges weather they were NON-occuring or non re-occuring ... I had told them to opt me out and complete reject all.

I have this RIGHT as a consumer ..per federal law so banks do NOT prey on me and continue to charge these BOGUS fees..

I had made it very clear ALL transactions to be rejected if there is no fee to cover them and I had made very clear I want to be OPTED-OUT and not in ...

I have called the bank and they tell me they see the opt-out for atm transactions but do NOT see opt-out for the check or re-occuring transactions ( CHA 's ) which is completley bogus ... .I want opt-out of all ...

why will any one opt out of atm transaction fees which is the most convinient for the consumer ... yet opt-in for the check or CHA transactions????

I want to be fully opted out for all and I want the {$36.00} revesred as I do NOT have to pay for the banks mistakes!

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 2018-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I attempted to transfer {$1100.00} from my external non USAA account ( XXXX ) and {$100.00} was placed on hold without warning or cause. Now USAA states they can not reverse or stop this.

I understand this hold may be based on a few variables ; this limit is determined by the system and is based on the 3-month average balance of all accounts in the relationship. However, I can not fathom why only a small fraction ( {$100.00} held out of {$11000.00} ) I am confused to why only {$100.00} was held, why is that? Accurately and thoroughly explain the funds availability schedule, why funds were not available ( Delayed ), and when the funds will be available. 

This is my XXXX account, which I pay my USAA Auto Insurance through as an ACH auto debit every month. I also have transferred from this external account ( XXXX ) before many times, not this amount but nevertheless I have made EFTs from here before. Working for a bank we do have exceptions processing unit, or the electronic transfers unit that can assist with placing a stop on the transfer or merely not accepting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX my mom passed away she had a loan on a used car and there was no insurance to satisfy the loan when she passed away so I the executor of the estate took over the payments since that time I've had 3 different representatives from XXXX XXXX tell me that I can continue making payments with no problem now all the sudden this account specialist,, her name is XXXX told me that they can't do that anymore and I have to return the car because my name is not on the loan I am unable to obtain financing at this time but I continue to make the payments so I do not see the issue of keeping the car because the endpoint here is that XXXX XXXX just wants their money they don't care about the car they just want the money. Is my only vehicle my only Avenue to work and back

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 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018, I noticed that I had a credit balance of {$.00} on my Bank of America Visa account while using the BOA mobile app on my XXXX. This credit card account as well as another BOA credit card are linked to my checking and savings at BOA. Using the app, I transferred the {$.00} credit balance to my checking account. In the past, I have done this type of transaction in the reverse, i.e. I would pay a credit card balance in full by transferring monies from my checking account to the cc account using this mobile app. Yet, on this day, I was hit with a {$10.00} cash advance fee for transferring the {$.00}. With interest added, it has now reached {$14.00} and despite my dispute letter to BOA asking them NOT to report this to the consumer reporting agencies, BOA has reported this negative information resulting in a lowering of my credit score. If I had no known that I would be charged {$10.00} to obtain {$.00}, I would not have done it. No reasonable person would pay {$10.00} to get {$.00} back! OnXX/XX/2018, I wrote BOA a letter disputing the charge and interest, but they have not issued any letter or email resolving the dispute. Since BOA is the creator of the mobile banking app used by millions of customers, the failure of the app to warn me that I would incur a {$10.00} fee should be held against them.

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 2018-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CARS Acquisition, LLC
State: SC

Complaint narrative:
Im a XXXX who had a joint account with my sister.She had a car loan with XXXX XXXX but was having problems with the car and wasnt able to make payment due to the expensive of the car to repair it so she spoke with them and told them about the issue and the car was no good and the repair was to expensive.She talked to the lender and the agreed to come get the car.The car is now in possession of the lender and she no longer has the car but is still being charged for another months payment and its reporting on credit report when she already sent the car back a month ago.This is effecting my credit bad and I dont think I should be getting charged and she doesnt have the car no more.So this company is reporting a negative payment history about a payment thats inaccurate that Ive disputed but they wont take off my credit.

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 2018-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In early XX/XX/2018, I received a letter from Wells Fargo informing me that my local branch was closing and that I would have to clear out my safe deposit box. On XX/XX/XXXX, I was charged XXXX for an annual fee for the deposit box. The branch closed in XXXX. I was never refunded for the service charge for a safe deposit box that I could not access. On XX/XX/XXXX I called and after 45 minutes received a credit for the service charge for the deposit box. On XX/XX/XXXX, Wells Fargo rescinded that credit without explanation and debited my account without authorization. They have charged me for a service I never received and wasted my time by forcing me to endure hours on the phone only to reach resolution and have it taken away. I had to call again on XX/XX/XXXX only to have the same treatment.

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 2018-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I recently financed a new vehicle and was aware of the companies would pull my credit report. However, there multiple inquires from companies that I did not authorize to make matters worse some companies have more than one inquire. Which has negatively impacted my credit score.

Furthermore, there are inquires from creditors that I did not authorize to put a inquire on my credit report and again some have multiple inquires.

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 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Creditor Information I C SYSTEM XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX this company has placed a collection on my account for XXXX. My final bill with XXXX was not $ XXXX.I had a monthly payment plan of {$200.00} This is 2nd time has place a fraudulent account on to credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, a closing was to take place for the sale of a residence I own. The sale has been postponed due to the following. On XX/XX/XXXX, my closing Attorney contacted my Mortgage Bank, Mr. Cooper, and was advised that I owe {$85000.00} on a Balloon Mortgage. A Mr. Cooper employee e-mailed the Balloon note to us. This loan originated on XX/XX/XXXX, when I closed on the loan of a Conventional Fixed Mortgage for {$85000.00} with XXXX XXXX A comparison of the Balloon Note, and my closing documents I kept from the closing, clearly show that the signatures on my closing documents and the Balloon Note are in no way similar, and both documents are dated XX/XX/XXXX. To date, I have never received copies of closing documents from XXXX XXXX. At closing they refused to supply same. When the notary left the room, I made copies of same which are attached. In closing, I have never signed a Balloon Note. The loan originated with XXXX XXXX, was transferred to XXXX XXXX XXXX, and serviced by Nationstar / Mr. Cooper. My documents regarding the Mortgage is, The New Loan Payment Form list the loan type as a Conventional Mortgage, not a balloon. The form also list the term as 180 months with a payment of Principal & Interest. The Mortgage Loan Commitment list the loan as a Fixed Rate with boxed marked, the Balloon box is not marked.

The Lock-in Agreement list the loan as fixed ( no Balloon ) with 180 months with Principal & Interest. The Itemized of Amount Financed, NJ Application Disclosure, Occupancy Certification, and Mortgage, are all signed and clearly do not resemble the signature on the Forged Balloon Note. On XX/XX/XXXX, I contacted XXXX XXXX XXXX  regarding obtaining my Mortgage Loan Documents related to the Forged Balloon Note. On XX/XX/XXXX, I received forged copies of an Itemization of Amount Financed, Truth in Lending, and Notice of Right to Cancel. An examination of the Itemization of Amount Financed from XXXX XXXX XXXX, is a completely different document from my Itemization of Amount Financed I signed at closing listed above. The signatures and contents of the document are completely different. All contacts with Mr. Cooper are attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I paid American Express a large lump some XXXX toward a XXXX balance, and they lowered my spending limit to XXXX, bringing my usage to 98 % instead of the goal of 60 % usage ( I paid XXXX ) to lower it because I was in the process of getting a mortgage and need to have debt paid down. I spoke with Amex and they assured me after I sent in my check stubs and 401k information, they would increase my limit bak to the original XXXX. On XX/XX/XXXX after I sent what was asked, they declined to increase the card back and have me at 99 % utalization, and have caused me to not qualify for my loan and not my score to drop. Amex lied and assured me they would fix this and now the call people in XXXX are refusing to honor what I was told. The

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi Simplicity Card has continually failed to reflect a credit of XXXX in my available balance. My account was closed due to this inquiry and filing complaints. Citi Bank misrepresented the truth by stating that I requested to close my accounts, both Thank you account and Citi Simplicity Card which were in excellent standing. My request was documented by 3 various agencies. I stated the following, " I would be willing to close the accounts if the Citi Simplicity Card was credited the balance. Citi refused to credit the balance and closed the accounts without my permission as the closing of the accounts were only conditional. If Citi was not going to credit the account, then the Thank you account and Citi Simplicity accounts should not have been closed. My accounts are in excellent standing. Thank you account has a XXXX balance ; the Citi Simplicity Card is in dispute with the credit bureas. I was retaliated against by a company with F rating in some 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 2018-07-18 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: MA

Complaint narrative:
Ive faxed and mailed proof of my current address to Equifax and they have refused to update my address. They have placed my current address as my previous address and have current address as my XXXX XXXX XXXX. I dont live at the Post Office. I live at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. This incompetence has been ongoing for almost a year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: FL

Complaint narrative:
Lending Club posted payment, and has lost cash payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
CREDIT SYSTEMS INTL IN reporting a collection to XXXX  and XXXX  credit agency, I've no knowledge of this collection account and never received any communication from CREDIT SYSTEMS INTL IN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
My unpaid medical debt owed to XXXX  XXXX Hospital of XXXX XXXX XXXX, FL for services provided for the birth of my son dated XX/XX/XXXX, showed up on my credit report XX/XX/XXXX. 

This is an exact example as to the information I was provided about the mentioned debt shown on my credit report dated XX/XX/XXXX. 

Account Details Last Reported - XX/XX/XXXX Collection Agency : XXXX XXXX XXXX   Original Creditor : XXXX  XXXX MEDICAL CENTER Status : Open Opened Date : XX/XX/XXXX Closed Date : Responsibility : Individual Account. 
Balance : {$1200.00} High Balance : {$1200.00} Remarks : MedicalCollection Agency : XXXX XXXX XXXX  I paid the balance of {$1200.00} in full in XX/XX/XXXX and never received notification/proof of payment. This debt was removed from my credit report on XX/XX/XXXX which is proof that I settled my debt with them. Now, two and a half years after my service date, XXXX XXXX Medical Center is claiming that this balance was never paid by XXXX XXXX XXXX and/or communicated with them that I in fact paid my balance in full. They are trying to bill my again for a balance that I already settled with this collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ceannate
State: FL

Complaint narrative:
1. FMS  is reporting an unvalidated debt to the Credit Reporting Agencies ( CRAs ).

2. Upon receiving written notification of the alleged debt, I immediately responded in writing within the statutory time-frame of 30 days and requested that FMS furnished me with " Validation '' of the debt.

3. The request in paragraph 2 has NOT been forthcoming. Instead, FMS decided to continue with
Collection activities and has updated my credit report as recent as XX/XX/2018.

4. Pursuant to FDCRA, all collection activities ought to be stopped during the window where debt validation is pending. FMS has NOT yet validated this debt and as such it should NOT be reporting on my credit report.
5. In light of the foregoing, FMS is in violation of FDCPA, and notwithstanding prior violations previously submitted. Consequently, this complaint serves to engage the services of FTC and/or CFPB to ensure that my consumer rights are protected and are not infringed upon by FMS. Additionally, it is hereby requested that CFPB administratively order FMS to remove all negative information from my credit report and cease all collection attempts until they provide me with Full Validation of the alleged debt. 6. All rights reserved to seek compensation for all violations already committed to by FMS through the appropriate legal channels. 7. I trust that this step will amicably resolved this matter ; thus averting the need for litigation.

Company response to consumer: Closed with explanation