vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI

Complaint narrative:
My original bank was taken over by First Citizens Bank based in XXXX NC. Since this was the second time my bank was taken over by another bank, I've been submitting my deposits by mail because my local branch was closed. I had several mailed in deposits work as expected. But on XX/XX/XXXX I mailed 6 personal checks and 1 business check to the same address, using the same deposit slips I had used previously, in one envelope. On XX/XX/XXXX I checked and those deposits still were not recorded in my personal or business checking account. I called to find out why and was assured they would show up soon. After I mailed the checks to their branch in XXXX, it was decided they would send them on to XXXX. That caused a delay. On XX/XX/XXXX, they sent a letter saying my 1 business check had been delayed because I used a deposit slip that didn't have their name on it. They ultimately processed it, but that was the cause of the delay. There was no communication about the 6 personal checks that were in the same envelope. I called many times, trying to get this resolved. I also communicated many times with their research department, via their website. I'll attach those conversations for your review. In one of my desperate phone calls a customer service person who refused to give me her name, assured me that if I faxed them the photocopies of the missing checks, they would process them, just as they do mobile deposits. I followed her instructions, followed up with more phone calls, and finally received a letter ( which I'll attach ), telling me this is mine to fix. I need to call each person that issued me the checks ( I don't even know these people and have no phone numbers for them ) and tell them they need to stop payment on those checks and issue new ones. First Citizens Bank have all the information they need to process these checks but refuse to do so. The letter from them was not even signed and didn't include any phone number for me to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
My initial complaint was filed with the FDIC, who forwarded on my complaint to you case ( # XXXX-XXXX ). I would like to clarify that this is not the first time I have been charged overdraft fees by BRANCH BANKING AND TRUST COMPANY. 

As I have often reviewed my statement on a daily basis, I noted that BB & T practices in " Misrepresentation of account balances and reordering of credits and debits to push customers into overdraft, allowing the banks to collect bank overdraft fees. '' I have noted that in reordering of credits and debits often occurs between XXXX-XXXX XXXX, when one is typically asleep. I have contacted BB & T on several occasions and explained this practice was occurring. Their operator has reported to me that that is just what happens. I have lost hundreds of dollars over the years to BB & T because of their reordering. I have often been charged, despite a credit coming in at same time ... but they conveniently reordered it so I would fall into overdraft. 

As a consumer I am tired of being robbed by this banking system and would like ALL of my fees over the years returned to me as factually, this practice is illegal. 

I have decided that from now on I will be recording ALL data that pertains to these " overdrafts '' and will be forwarding the documentation to you. But, I am sure that requesting data from their computer systems will clear this up, as it is clearly evident of their practices.

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 2018-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Quicken Loans holds my home mortgage ( VA ) - on XX/XX/XXXX I had solar panels installed using a separate loan company. I contacted Quicken loans to see about combining the solar loan with my home loan to have one payment. Instead of doing what I requested they took it upon themselves to determine my escrow would be short {$1800.00} - even though I've check with the appraisal company and they have not increased my taxes. QL is now requiring me to pay and addition {$1800.00} in addition to my normal taxes without any documentation from the tax office. I applied for the Home Solar tax exception which I will hear back from in XX/XX/XXXX. However QL will not drop the increase on my home escrow until XX/XX/2019 IF i get the exemption. I'm curious how they can tax me when the appraisal district has not done so. Is this not taxation without representation?? I'm furious and have talked to several people only to get upset by them more and more. The last person said my only other option is to pay my taxes myself - after I get a XXXX balance with QL. I just want them to drop the solar tax increase, because they have no right to guess - especially when the panels were installed ( but not operating on XX/XX/XXXX ) and their site says they evaluate escrow in XX/XX/XXXX. They received my solar documents because I requested a combined loan - but they never bothered to do estimate the combined loan. I want them to drop the increase they are demanding I start paying on my XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This is a folIow up complaint to # XXXX-XXXX  I still have NOT received my Transunion credit report & I cant get a live person to discuss anything with me because they cant verify who I am. 

Transunion has been aware of this issue with this same woman since XX/XX/XXXX and when she was XXXX of it in 2XX/XX/XXXX I sent the court paperwork to them for my file and THEY STILL CONTINUE to report inaccurate/fraudulent information on my credit history!! 

Ive been waiting 9 years for Transunion to fix my account and I find it COMPLETELY UNACCEPTABLE that not only arent they removing this information IMMEDIATELY given their knowledge of this goes back to XX/XX/XXXX, I CANT EVEN GET MY CREDIT REPORT, much less get into my file online. 

Ive waited long enough. I cant fix or dispute any accounts if I cant access the results or my credit file online or obtain my report. They dont get 30-60 days because they've already had 9 years! THIS. IS. INSANE.

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 2018-11-05 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: NC

Complaint narrative:
My XXXX credit report # XXXX dated XX/XX/XXXX shows that XXXX XXXX XXXX XXXX /XXXX  ( original acct owner ) is reporting a charge card account with a date opened of XX/XX/XXXX. The balance they have listed is {$1300.00} ( updated on XX/XX/XXXX after I disputed an inaccurate balance history based on what the report itself states ) and the highest balance shows {$1400.00} with a recent payment amount of {$140.00} on XX/XX/XXXX which they reported under " Balance History '' dated XX/XX/XXXX. There is also a balance history for XX/XX/XXXX which strangely enough lists {$0.00} Paid on XX/XX/XXXX. IF a payment of {$140.00} was made on this acct on XX/XX/XXXX, why wouldn't it be listed on the balance history occurring in XX/XX/XXXX? Why would it only appear in the later date of the XXXX XXXX balance history? Also, under " Payment History '' in the year of XXXX in XXXX this acct lists 120 days late. How can this acct be 120 days late in XX/XX/XXXX AND a payment made on XX/XX/XXXX? It appears the dates, balance, and payment information may not be accurate.The major issue with this account is that XXXX is an original creditor who has, apparently, sold this account ( attached copy of letter from collection agency named XXXX   who bought the acct around XX/XX/XXXX ) and continues to report each month with a balance due of {$1300.00}. If XXXX does not OWN this debt then this is inaccurate and in violation of reporting guidelines. I have disputed this listing and can not seem to get the credit reporting bureau to do anything more than say they investigated it. Otherwise, they would have seen the inaccuracies and requested verification from the original creditor. I request that XXXX verify the information they have listed for this acct and prove they still own this account because I have a letter from a collection agency stating XXXX sold the acct to 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 explanation
Consumer complaint received 2018-11-05 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: NC

Complaint narrative:
My Experian credit report # XXXX dated XX/XX/XXXX shows that XXXX XXXX XXXX XXXX XXXX ( original acct owner ) is reporting a charge card account with a date opened of XX/XX/XXXX. The balance they have listed is {$1300.00} ( updated on XX/XX/XXXX after I disputed an inaccurate balance history based on what the report itself states ) and the highest balance shows {$1400.00} with a recent payment amount of {$140.00} on XX/XX/XXXX which they reported under " Balance History '' dated XX/XX/XXXX. There is also a balance history for XX/XX/XXXX which strangely enough lists {$0.00} Paid on XX/XX/XXXX. IF a payment of {$140.00} was made on this acct on XX/XX/XXXX, why wouldn't it be listed on the balance history occurring in XX/XX/XXXX? Why would it only appear in the later date of the XXXX XXXX balance history? Also, under " Payment History '' in the XX/XX/XXXX this acct lists 120 days late. How can this acct be 120 days late in XX/XX/XXXX AND a payment made on XX/XX/XXXX? It appears the dates, balance, and payment information may not be accurate.The major issue with this account is that XXXX  is an original creditor who has, apparently, sold this account ( attached copy of letter from collection agency named XXXX   who bought the acct around XX/XX/XXXX ) and continues to report each month with a balance due of {$1300.00}. If XXXX does not OWN this debt then this is inaccurate and in violation of reporting guidelines. I have disputed this listing and can not seem to get the credit reporting bureau to do anything more than say they investigated it. Otherwise, they would have seen the inaccuracies and requested verification from the original creditor. I request that XXXXe verify the information they have listed for this acct and prove they still own this account because I have a letter from a collection agency stating XXXX XXXXold the acct to 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 explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: IL

Complaint narrative:
I submitted an application for a loan discharge and was denied. I Received documents stating that I withdrew from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, NY XXXX on XX/XX/1989. As I stated I never lived in NY or attended a school by the name of XXXX  XXXX XXXX in NY. The school I did attend was a free program and closed while I was attending. I requested for any and all documents pertaining to this loan under the FOIA and received 110 pages including a borrower 's rights letter and 1 page from a promissory note. Copies of this voided promissory note were sent to CFPB account numbers XXXX-XXXX, XXXX- XXXX and XXXX-XXXX. Also, Ms. XXXX XXXX from the State of IL. Attorney General Office file number XXXX and the credit bureaus. By law, a promissory note is voided if it has been altered or incorrectly written. This Promissory note does not contains all the legal detail which must include interest rate, the full amount of the loan, and payment frequency. In this Promissory note, theres only section E and F and state about a page 4, the other pages that state paragraph 1 through 17 have been added also, the pages are not number. I disputed with the credit bureau and it has been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: FL

Complaint narrative:
To whom it may concern XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  Consumer Fraud Division XXXX. XXXX XXXX XXXX, GA XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX-, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX {$1300.00}, XXXX   XXXX XXXX XXXX {$410.00} to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Higher Education Servicing Corporation, Inc.
State: TX

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX Higher Education Servicing Corporation I have student loans that I have never entered into a payment agreement. I have always deferred the payments. Early this year I missed some paperwork to continue my deferment but did what they asked me to do in order to bring my account " current ''. It took one form and they gave me a date to put on the form going back to when my account was due because my deferment had ended. I filled out the form and thought that was it. In XXXX my credit score dropped significantly causing credit card companies to close some of my accounts because my score was so low. I have worked hard to maintain good credit and I believe this is an unfair credit reporting by the company. They are reporting 21 late or missed payments causing my score to drop. I pay all my bills on time and ahead of time. I have also payed down my credit card debt but my score does not improve. According to the credit reporting agencies the number of late/missed payments showing on my report is the cause of my low score. I have reached out to the company and spoken with Mrs. XXXX around the first week in XXXX of this year. They are not providing me with any solutions and advised me to call my congressman for help. I have also spoken with XXXX ( XX/XX/XXXX ) about my account. According to XXXX I have one account with one account number. I have also disputed the information with the credit bureaus but my score continues to be low. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Keynote Consulting, Inc.
State: FL

Complaint narrative:
Keynote Consulting is attempting to collect a debt that is not owed for XXXX XXXX, whom I am also filing a complaint against. In XX/XX/XXXX, Keynote Consulting had began to report on all 3 of my credit reports a debt owed of {$1200.00} on behalf of XXXX XXXX for a XXXX XXXX that the original contract was for {$800.00} and they illegally charged me over {$1200.00} before I had to close my bank account due to the company refusing to stop the XXXX payments on an item that was not only paid off, but also returned. Not only was the original account with XXXX XXXX closed in XX/XX/XXXX, but they continually add charges to this closed account monthly, now totaling {$2200.00} to this date and it rises continually monthly. Not only has the {$1200.00} I have paid more than cover the original contract of {$800.00}, but again, the item was returned and this company refuses to remove this false and illegal debt. I will be taking legal action against both companies due to the illegal practices taking place. Neither company will ever receive another dollar from me, and if this continues, and is not resolved once and for all, I will have no choice but to sue both companies as I have my contract and bank receipts for what was paid as well as the emails and credit report copies with false information and illegal charges.

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 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bureau of Accounts Control
State: NY

Complaint narrative:
The collection ( {$3100.00}. XX/XX/2018 ) on my XXXX report was wrongfully placed on me. It actually belongs to my relative who used my address. I sent XXXX  the debt collection notice & medical bill with my relatives name as proof but they still said the collection stands. I contacted the debt collector and even they had my relatives name instead of mine in their system. It seems XXXX  was NOT really doing any investigation on dispute and was not willing to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: FL

Complaint narrative:
To whom it may concern XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax Consumer Fraud Division XXXX. XXXX XXXX XXXX, GA XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX, XXXX XXXX-, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX {$1300.00}, XXXX   XXXX XXXX XXXX {$410.00} to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I disputed this debt with Resurgent Capital / XXXX XXXX twice and in XXXX and XXXX they provided me a " verification of debt '' after asking for a validation of debt. I do not recall " XXXX XXXX '' debt and therefore I asked they provide a documentation showing where this came from and linking me to the debt. All they have been able to do is send me an " internal '' statement and no evidence or burden of proof this debt and amount owed is mine. When I called them today to just say I will pay it to go away they advised me they can not delete it. Why would I pay XXXX for a debt especially when it is scheduled to be removed next year. In addition, if I pay it then the account will update with the bureaus then causing my score to drop. I feel as though I am between a rock an hard place. So, when I spoke with XXXX today and once again asked they provide validation she stated I will need to put it in writing once more. When I asked her what validation they will provide she stated it would be what they provided in the past. How is it that LEGALLY they can fo this??? This is an injustice and is a kink in my consumer rights. Please look into this for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: VA

Complaint narrative:
This company continues to report inaccurate amount of voluntary repossession or all three credit reports. I called the company 2 years ago and no record of me in their file. As well as, filed a compliant through CFPB. The letter I received is that the company is looking into this information. The vehicle was voluntary given back to the company but it says I owe an outrageous balance. Reports as derogatory every month like clock work continuously lowering my credit score.

Company response to consumer: Closed with explanation