vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
My complaint is against Suntrust bank and their treatment of XXXX people. 
I submitted a pay for my internet bill and was short {$44.00}. They immediately began charging me overdraft fees. At this writing if have been charged almost {$200.00} in overdraft fees. I do not have that kind of money. I will be receiving Social Security benefits in 9 months until that time I have no income. I went through my savings because it took Social Security almost 5 years to approve my case. In the several times I called Suntrust Ive had to ask to speak with someone in the USA because I cant understand the XXXX  language. They have passed erroneous information back and forth because of the language barrier. They expect me to know and understand how their system works and if you ( I ) cant figure it out they treat you in a demeaning and disrespectful way. I need help because Im XXXX and cant fight a bank and people who are not XXXX cant fight them either. 
XX/XX/2020

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 2020-02-26 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: DISCOVER BANK
State: NC

Complaint narrative:
I have a closed account with Discover Bank. A credit card. I recently had them do a fraud investigation and I was advised while under investigation I could not make payments toward the balance. At one point they showed the account as {$800.00} credit to me so there was no way I could make a payment anyway. First thing first they did a horrible job doing the investigation. Never called me, or asked me for any of my info ( including my police report ) they just ruled in their favor and said I owed the debt that someone else did when they stole me card. Here is the biggest factor though. Discover went back and mark my payment history as missed payments during the time they were conducting the investigation. They're the ones who told me not to pay and I didn't even have a chance too because the account showed to be credited. Discover and their horrible, rude employees refuse to fix the obvious. I have recorded every call with them including them telling me I have a credit and not to pay during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
The statute of limitations expired for this credit card account. However, it continues to report on my credit report from Navy Federal Credit Union. I request Navy Federal Credit Union remove this account from all three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
XX/XX/2020 I made a complaint XXXX-XXXX  to verify that the report of {$490.00} is valid and owed to Bureaus. The company responded by sending statements to prove validity. I request that the company review the attached letter and state their validity to collect this debt using the federal regulated laws to prove ownership.The Bureaus can not prove ownership of an account by submitting itemized bills. I must have written verification of whom verified the account and a contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: United Accounts, Inc.
State: SD

Complaint narrative:
I had someone use my social security number and open many accounts and also inquires I never had made and Payments not showing on paid accounts and my credit score is very bad due to this and I pay all my bills and have not even had a chance to ever ruin my credit but someone is. No one helps me they just keep sending me to online operator and get hung up on I am just so furious I do not even know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX continues to report to Experian a debt that was settled thru divorce decree over 10 years ago. The property and all financial responsibility was ordered by the court to be my x-wives in the decree. I have submitted that to all credit reporting agencies and all but Experian has removed it. This needs to be removed from my credit. Thank you for your help.

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 2020-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
a thief used a phony driver license to steal money from my td bank account at XXXX, nj. The amount was {$2900.00}. I call TD bank every day and they give excuse that it is with XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I have a credit card debt in collection. The collection agency is Pressler, Felt, and Warshaw, XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have been paying this debt to P, F, and W with monthly payments of {$100.00}. I pay this amount on their web site. The problem with this collection is I never receive any statements total amount due. I emailed them twice with NO RESPONSE WHATSOEVER stating that I will no longer make monthly payments due to their secretive, no monthly statement collection practices ( see attachment ). I had also called them at least two times explaining my displeasure. It has been almost two months since I contacted them via the aforementioned emails and they have sent me a threatening letter with the total amount due. 
Pressler 's collection method is deceptive and I believe unlawful with consumer law. I am XXXX and living on a tight budget from my monthly social security. 
Thank you for your attention in this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XX/XX/2020 I made a complaint XXXX to verify that the report of {$490.00} is valid and owed to Bureaus. The company responded by sending statements to prove validity. I request that the company review the attached letter and state their validity to collect this debt using the federal regulated laws to prove ownership.The Bureaus can not prove ownership of an account by submitting itemized bills. I must have written verification of whom verified the account and a contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Local Management, LLC
State: SC

Complaint narrative:
On XX/XX/2020 " XXXX '' from Local Finance called my employer and told her to make sure to tell me that " because I was avoiding her ( XXXX ) phone calls she would make a point to be at my house tonight. " This was threatening and humiliating. 
I have called this company and i have gone to this company to make some kind of arrangement with them on paying my debt but they will not accept any smaller payments. They want a huge sum to even get me to move forward in the payment. I was going to bring them money on a set up time but they had called my place of employment and my cell phone 3 times before i could even get there. 
They call and leave messages at work saying where they are from and who they are and it is very embarrassing. I am doing the best that i can but at this point i can not make the huge payments they want me to make. I have been harassed and threatened and professionally humiliated. I would file a lawsuit for all of this but i do not even know where to start. Please help me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I was offered a " line of credit '' of {$1200.00} and there were ZERO  explanations in laymen 's terms how they figured their interest. As in, I had no clue what my monthly payments would be & I HAD to give them my bank account to take ACH payments from every month. I understood that this was a high dollar loan, I wanted an installment loan, but for whatever reason, they're doing this credit line in my state ( MO ). My first payment came out of my account & it was {$250.00}, in which {$120.00} was now available for me to " draw '' from. I did NOT do this & figured my next months payment ( this month ) would be about the same if not a bit less since I didn't utilize the credit. However, this month, they are going to take out {$410.00}!!! This is above & beyond predatory lending! I looked at my statement & my balance is UP {$200.00} instead of showing that I made a payment at all! At this rate, my bill will constantly go higher & higher every month. This was never mentioned & if it was, they sure made it extremely complicated to understand. 

This is unethical & obviously they had their license to offer installment loans revoked in MO, hence this new scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I paid off the balance on my Wells Fargo XXXX XXXX XXXX card on the last day of the billing cycle. They did not post the payment promptly, and told me it could take up to 3 days to post to my account. As a result of not posting my payment in a timely manner, they reported an incorrect balance to the credit reporting agencies. I asked them if they could do a forced, off-cycle update to the credit bureaus to accurately show my account information, and they denied my request. All of my other credit cards, ( XXXX XXXX, XXXX, XXXX XXXX, XXXX ) post payments the night of the payment. I am working on financing to buy a home and wanted my credit report to accurate reflect my account balance.

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 2020-02-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to submit a dispute through Experian for incorrect spelling of my name. I was unable to submit a dispute online.

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 2020-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to submit a dispute through XXXX  for incorrect spelling of my name. I was unable to submit a dispute online.

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 2020-02-26 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: FL

Complaint narrative:
I have tried to submit a dispute through XXXX  for incorrect spelling of my name. I was unable to submit a dispute online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have been making my mortgage payments on time for years. XX/XX/XXXX and XX/XX/XXXX I changed bank and contacted the mortgage company so they can take payment from me over the phone. Since they had already process the may payment from the account on file, they had refuse to take a second payment from me over the phone. 
Meanwhile, says are passing by without any sign of them getting the payment even though I had money to cover three months if they wanted to help me. Now I need to have the PMI remove from my mortgage, they tell me that I am not qualified because of the late payment of XX/XX/XXXX. 
Please help me resolve this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: National Credit Systems,Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX continues to report to XXXX  a debt that was settled thru divorce decree over 10 years ago. The property and all financial responsibility was ordered by the court to be my x-wives in the decree. I have submitted that to all credit reporting agencies and all but XXXX has removed it. This needs to be removed from my credit. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I Contacted the Credit Report Agency, to dispute, collection with XXXX, I explained I didn't get any service o bill from them, I started my services with XXXX in XX/XX/XXXX at XXXX XXXX XXXX, XXXX Pa XXXX, in XX/XX/XXXX I moved to XXXX XXXX XXXX XXXX, PA XXXX and immediately I moved my XXXX service to my new address, so I explained them, but they said the serves as verification, so I don't understand, how the made the investigation. I solicited any proof I get any service or bill from XXXX, but the never sent. Also the other Collection with XXXX, I never get any service or bill from them, I moved to Pennsylvania in XX/XX/XXXX, I called them asked what kind emergency and symptom was, and the report they only said XX/XX/XXXX, I try to contact them severe time. I contact the Credit Report Agency ( XXXX   and TransUnion ) but, they still have those Collection on my record, is no fair the Agency make money selling my information, and don't make any effort to verified the Collection are right, so my history report with all my credit account ( open or closed ) are never late. So they need to be sure the Collection report are true

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 2020-02-26 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: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX I contacted US Bank to settle my credit card becuase I was having money problems. And that was my original intent. But I was able to get a better paying job in XXXX and called them to cancel the settlement and start making regular payments again. I was set up on automatic monthly payments. I called more than a dozen times asking that the settlement be cancelled and this not get charged off. In XXXX this was charged off anyway even though I am making regular monthly payments. I called them again to get the charge off removed from my credit report and correct the balance. And they refuse even though I am making regular payments to us bank directly. I have 2 cards with them and the other card had the same issue and that one they corrected. This one they will not fix.

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
XX/XX/2020 and prior date ( about 10 days ago ) received call from Synchrony Bank ( tele. number : XXXX ) stating that my 'account ' is deliquent!! then they asked me for the last 4 of my SS #!! I said NO, i will not give u that information. Then they hung up. also, they stated that 'this call will be recorded for security reasons. '' what?? Today, I called the number back and spoke with someone asking them what they did ... he said they are one of the biggest banks in the world and they handle deliquent accounts ... i said i have a credit score of XXXX and have NEVER had a problem..and that they have no right to ask for the last 4 of a ss #. he said they do. I told him I was going to report them and that they had no business calling me and to not call my number again. To get to talk to the rep.i spoke w/today I had to enter my last 4 ... I just hit XXXX and got someone. because it asks for your last 4. I believe they are a SCAM because I have NEVER EVER had a late charge, I have excellent credit, I would really  appreciate it if you would look into this 'caller/company ( synchrony bank ) and yes, I do have them as one of my 'payees ' through JC Penny card, but have never had a problem with my account. I feel as if I am being stocked and that they are trying to get info, on MY accounts for their benefit. Thank you.

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 2020-02-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
Application # XXXX I have applied for a home equity loan with Discover Bank. My application ( #  XXXX ) was denied. I am told that it is because my debt-to-income ( DTI ) ratio does not fall within the guideline. I have inquired about the details. I was given some broad numbers on how the DTI was calculated. I have noticed that the rental income was off by about {$1000.00} per month, but the lender is not providing how they came up with the rental income calculation that leads to this number. 

I have asked XXXX XXXX ( NMLS ID XXXX ) who is the Senior Loan Specialist that I am working with fro details on how the income/loss of each property was calculated. She is stating that I she can not share any additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX I contacted XXXX XXXX  to settle my credit card becuase I was having money problems. And that was my original intent. But I was able to get a better paying job in XXXX and called them to cancel the settlement and start making regular payments again. I was set up on automatic monthly payments. I called more than a dozen times asking that the settlement be cancelled and this not get charged off. In XXXX this was charged off anyway even though I am making regular monthly payments. I called them again to get the charge off removed from my credit report and correct the balance. And they refuse even though I am making regular payments to us bank directly. I have 2 cards with them and the other card had the same issue and that one they corrected. This one they will not fix.

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