vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 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: MD

Complaint narrative:
Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
This case involve sending a principal payment of a $ XXXX cashier check funds received by Ditech ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) on XX/XX/2018 to my loan Acct number XXXX and it is being held in an unapplied funds account with them. The loan principal amount on the day of record was {$120000.00}. I also requested in my correspondence that Ditech complete the loan pay off with my escrow funds currently in the amount of {$710.00}. 

Ive attempted to resolve this matter several times with no success. On their statement sent out yesterday, it actually notes their Misapp. Below are my resolution attempts. 
-XX/XX/XXXX via the Ditech message center -No response -XX/XX/XXXX phone call to Ditech - Request noted, promise 3 day resolution.

-XX/XX/XXXX phone call to Ditech -Request noted, request in process -XXXX XXXX phone call to Ditech -Request noted , request in process -XXXX XXXX phone call to Ditech -Request noted, promised 3 days -XXXX XXXX faxing this correspondence -XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: TX

Complaint narrative:
inaccurate information need to see my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I have been calling in to pay my XXXX Preferred Account bill which is with Paypal Credit, they would not let me pay online anymore. At first I had to call every month to make a payment, then in XX/XX/XXXX they told me they could set it up for automatic bank draft for 6 months and then I received a letter XXXX XXXX XXXX was being bought out by XXXX XXXX, and after XX/XX/XXXX, my payments would need to be changed. On XX/XX/XXXX, they did not take out my payment which I had scheduled in the amount of {$80.00}, even though my min payment was XXXX. They then sent me a bill for XX/XX/XXXX and charged me a late fee of {$27.00} and now want my payment for May which was due on the XX/XX/XXXX and for XX/XX/XXXX which is not due until XX/XX/XXXX. They refused to give me credit of the {$27.00} unless I pay them the total minimum due of {$130.00} as of today XX/XX/XXXX. I have  been faithful in making payments to the company, and I also had a Bill me Later account which was separate, the Bill Me Later Compnay closed my XXXX account for no reason except, that they said my bill came back to them, even though they received my monthly payment? What is going on? I also had a Bill Me Later Account, and Now PAYPAL is saying I have to go online to pay the bill. I also have the Bill Me Later which is now Paypal also and changing to the same Company. This is PAYPAL doing this to me and I have not received my billing for PAYPAL and I am very upset that I made advance payments and the company did not give me any notice as to the change except to be effective XXXX XXXX XXXX. This is not fair and I feel that I do not owe the {$27.00} late fee because the company did not do as we had verbally agreed to on the telephone. I am willing to pay the payment which was due in XXXX, but not to advance them the payment which is not due until XXXX XXXX XXXX, nor pay the late fee. This company has to be stopped and they are  probably ripping off many other customers My XXXX acct is now scheduled with a payment due on XX/XX/XXXX in the amount of {$130.00}, previous statement minimum payment was {$65.00}, which is the only amount that I owe. This company has fraudulently not processed my payment and has placed a fee on my account which I do not owe of {$27.00}. Please contact me with a follow up as to this situation. I do not know if my Paypal account is doing the same thing, I am going to call them this evening. According to my letter dated XX/XX/XXXX, I will no longer be able to make a payment through paypal or Customer Service and the only method to make a payment will be via Mail using my billing statement. No electronic or Internet payments will be allowed according to XXXX XXXX. This is not fair to any of us and this can be placed against my credit history and I feel that I may not be the only one who is being abused by PAYPAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had my account for several years now with Regions. 

Anytime I had an charge that I did not have any money for or enough money, the bank would just pay it. 

I had to pay the bank and the overdraft fee. 

Now the bank has reversed a charge from my bank account, knowing that I have opted in for overdraft fee. A couple of times, I have seen charges over {$200.00} for an overdraft fee which I assumed was excessive. But I paid it. 

Now the charge that they reversed may get me kicked out of school because it was due on the 1st and my check will post tomorrow in the account. But I have to scramble to pay this so that I will not have to pay twice the amount for my tuition. 

Do the bank have the right to reverse this charge even though I signed up for overdraft? 

Please advise.

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 2018-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
My bank account was constantly being garnished for an amount well over what I actually borrowed. I constantly called and inquired but they would refused to stop taking money out of my bank account which forced me to file a complaint with my bank and closed the account. They sold my information online and now all kind of fraudulent payday loan companies are reaching out to me accusing me of owing them money this company is a fraud. I do not owe them anything. They kept calling and harassing me and that is not common collecting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
After having to leave the state of Colorado due to medical issues, my FMLA has denied and I found myself struggling to cover expenses. I called the car company and asked them to please come and pick up the car due to the financial issues. The representative whom had been very pleasant any other time that I had dealt with her, starting getting very loud and attempting to explain to me that they are not in the business of just picking up vehicles and I that I just need to find someone to borrow the money from. She continued to berate me to the point that I just had to hang up. After a month of multiple daily phone calls and continued threatening messages they finally scheduled a pick up of the vehicle. It has been a month and a half since they picked up the car and they are still calling multiple times each day, including Saturdays. I asked them to please stop harassing me that it wasn't helping the situation to be told that they would just continue to call until I gave them their money. 
I get calls all day long from several different individuals. I haven't had the vehicle in almost two months and they will not sell the vehicle so I can settle the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I made a withdrawl from my savings account in the amount of {$20.00}, I was assessed a fee after the withdrawal which was back dated obviously. The ATM would not allow me to do a withdrawal if I didn't have the funds available. I do not have a problem with being assessed the fees, hitting a hard financial situation and needing to pull the funds out of my savings and paying the fee is one thing. But having the fees charged after you allow a transaction is bad practice. This all happened the same day the issue happened with my checking account which already has an open complaint. I do not like being penalized when the system/ATM/APP/and online services tell me one thing and then the next day tells me something different.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: WA

Complaint narrative:
My bank has been having problems with automated payments to my credit card company - cancelling them because of the amounts involved in concerns for fraud. I am able to make manual payments on my card. Because the automated payment is returning each month, the credit card company is putting a 7-day payment hold on ALL payments made to them. On top of this, when an automated payment is made, I can't pay any amount on the card until the original payment has failed because I'm not allowed to pay above the balance on the account. I have discussed with customer service the situation several times and they refuse to acknowledge that the automated payments are the ones failing and the manual payments are all going through. They refuse to release payment holds on the credit card. 

The problem this causes is that the CC account shows it is under the credit limit but on some internal system goes over its credit limit and the card is declined. The account balance on the card remains low ( showing on all services and in automated customer service system as paid ) while the customer service representatives report the balance as over the limit ( showing as not paid ). 

This is the card which I have signed up all recurring service charges to - phone, security, alarm services, insurance billing, etc. These are highly important charges to go through and because of this situation with the CC, I am regularly having to call customer service for each of these services to fix the failed payments. 

I have requested that the credit card company provide any possible mechanism to make the CC functional again. Releasing the payment hold on manual payments was refused. Increasing the CC limit was refused. Speaking with someone else was refused. They refused to provide me with a notification when the internal CC limit was being approached so that I could avoid it going over. They refused to make it possible to pay over the account balance during an automatic payment. The closest I have come to a resolution was after offering to send in a bank statement showing the transaction, they said that they would review it and it was in their discretion whether or not to release the payment hold. 

I have been working with my bank to fix the automatic payment issue, and hope that it will be resolved soon. The refusal of the CC company to find a way to have the CC be functional is a massive headache and not providing the service for which I signed up.

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 2018-06-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My I.D and social security number were stolen 2 months ago and XXXX XXXX is letting me know that i have 3 hard inquiries that i did not give permission to in the past 3 weeks.

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 2018-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I went to XXXX XXXX in XXXX XXXX  Oklahoma on XX/XX/XXXX the internet sales manager promised me that my credit would NOT be pulled and then in less then 24 hours my credit had been pulled 3 times XX/XX/XXXX I complain to all 3 parties involved XXXX, XXXX XXXX, and capital one auto finance they refused to do anything about this issue so I then filed a complaint with the XXXX XXXX XXXX and the Oklahoma attorney general and still nothing I was miss lead in order to get me to give them my information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have disputed this entry that is reflected on my credit report by XXXX XXXX to the credit bureaus as well as to the company itself. This entry reflects that I have a balance and a past due balance ; however, I have never engaged in any business transactions nor signed any contracts with this company. In my recent dispute sent to Midland inXX/XX/2018, I requested that they provide : An agreement that stated their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Midland failed to comply. I am requesting that this entry albeit not being validated be immediately removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2018 I sold item on XXXX for {$240.00} buyer complained to XXXX   about cancelling order after shipment was in progress then opened did not receive item case with XXXX and lost since I use XXXX/Paypal labels. Then buyer open chargeback with Paypal after receiving shipment through financial institution. Paypal asked me for proof of delivery which was supplied to them and buyer also signed for shipment at time of delivery. Paypal keeps holding me responsible for the now XXXX ( XXXX more dollars for chargeback fee ). If I have so called Paypal Seller Protection why is this happening against my seller 's account with a negative balance that they keep taking away and putting back. No seller should be subjected to this type of negative treatment after a tangible item was delivered and signed for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-07 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: NY

Complaint narrative:
Information and documents were provided to Experian in efforts to remove negative information being reported by Experian, however Experian has not removed the negative 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 2018-06-07 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: FL

Complaint narrative:
Please remove the following fraudulent inquiries from my TransUnion Credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-06-07 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 ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
It has come to my attention that Capital One Bank, has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : Capital One Bank Account # XXXX has one 30 days past due as of XX/XX/2016 The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and Capital One keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

Capital One The 30 day late reporting made by Capital One Bank is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. Capital One Bank has received payment in the month it reported me late.

What the attached proof of payment shows is that Capital One Bank account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting Capital One Bank directly but Capital One keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding XXXX and XXXX responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: MA

Complaint narrative:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, XXXX, and experian ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I've been charged more than 600.00 in overdraft fee in the last 2 years with my banks Chase Banks. I certain their overdraft fee policies were designed to specifically exploited the weakness of bank consumers tardiness. They are making billions from taking crazy fee due to sometimes charges that I've unaware off and there are no way and no time grace where I can deposit the money to take care of the overdraft. Instantly, they are taking credits for money not in the account. Something needs to be done ... as these bank are practically stealing legally from everyday hard working people. Being charge XXXX for a XXXX transaction is just pure loan sharking us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-07 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My I.D and social security number were stolen 2 months ago and XXXX XXXX is letting me know that i have 3 hard inquiries that i did not give permission to in the past 3 weeks.

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