vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
This happened to me with TCF. I was in possession of my ATM/Debit card at the time of both incidents. On XXXX, a ATM withdrawal for {$200.00} was taken from my account. The next day, WHILE I was at the branch filing a fraud report, another {$200.00} was taken from my account, while the Assistant manager was looking at my account. It seemed like it was obvious that there is fraud involved. She filed the second claim. Today, I was notified that both claims were denied because " I let someone have my card and PIN ''. In the branch today, I was told that they were " re-filing '' the claim and that the decision is not up the branch. In short, the thief has my {$400.00}, I am out {$400.00} ( the two withdrawals plus two ATM fees ). The thefts happened on XX/XX/2019 at XXXX XXXX and XXXX XXXX XXXX. I reported this to the TCF Branch at XXXX XXXX XXXX inside of the XXXX XXXX to the Asst. Manager XXXX XXXX ph. XXXX I also filed a police report. I've been to the branch, as of today, on three separate occasions to deal with this issue to no avail. I've also contacted the fraud department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have faxed and mailed these same disputes to transunion many times and they refuse to respond or to do an investigation on the items.

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 2019-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUNTRUST BANKS, INC.
State: CO

Complaint narrative:
Full documents related to the loan have not been disclosed. LightStream attempts to penalize consumers based on policies that do not have full legal documentation.

I reached out to the LightStream on three different occasions to adjust my auto-payment date from the XXXX to XXXX. In order to make this change, LightStream would increase the interest rate of the loan by 50 basis points. I pulled the loan agreement and it specifies the following : " If you fail to pay or maintain payments via the Automated Payment Option, you agree that the failure will immediately result in a permanent XXXX percentage point increase in the annual interest rate in effect on your loan. " My request was not to cancel the Auto Pay option but maintain an AutoPay option with a different date. 

The loan agreement also includes the following language : " Payments ( comprised of principal and interest ) ( 1 ) will be payable monthly, in an amount of {$250.00}, and ( 2 ) will be due on the same day each month ( the " Payment Date '' ), such day being the one you designate upon electronically signing this Agreement. '' A payment date is not designated in the agreement. Additional documents on the online portal only include a credit score disclosure. I requested documentation of this designation and LightStream was only able to provide a generated email which states that my payment will be on the XXXX. No documentation of the designated payment date was able to be provided.

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 2019-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, PNC Bank paid a check to my account for {$270.00} which caused my account to overdraft. My account does NOT have overdraft protection. The check should have been returned unpaid. PNC then required me to make a deposit to the account to cover my negative account deposit. Also, this check was not a valid check since I did not sign it or authorize it. Attempts to recover the {$270.00} from the bank or the payee have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been writing TransUnion for a year now. I have advised them that they are inaccurately reporting an account with XXXX on my reports. I have shown them several items that are wrong - to include A HUGE VIOLATION where they are REAGING the account. How the heck is that possible? Every single month they update it and say the account was " last active '' there is no active on collections other than the date they accept the account, and yet they keep acting like it is. Also, they have reported the account as closed as well. How is that possible. The contridictions and inaccuracies are beyond a violation. I have included screen shots that they keep doing it month after month after month. Furthermore, I have pointed out other violations such as a collections account having a past due balance. There is nothing past due with a debt buyer, I read up on this and know the FDCPA and that they can not do this. I have enclosed documentation direct from TransUnion that shows they " updated '' information but there was actually nothing updated as it is apparent by their own reports. They have done nothing but ignore my disputes and demands for fair reporting. I am beyond stressed out over this. It has been a year. They are harming my finaincial reputation with their woeful neglect of their legal responsibilities. I need to buy a larger home as I just had a baby. All of this disputing should not be this hard. What are they making it so hard and violating the law? Please help me get this resolved once and for all.

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 2019-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Multiple multiple over drafts outrageous amount over 500 since XX/XX/XXXX have reached out multiple times but have been told nothing they can do

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 2019-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Back Story : I posted my furniture ( dining room table ) on XXXX 's list to sell. A guy reached out to me to buy the furniture. He said that he would give me a cashier 's check with the amount of money for the furniture and additional to pay the mover 's who were coming to take the table. When I received the check, I cashed it in on wednesday, XX/XX/2019 to my bank of america mobile application. The supposed moving company asked if I could transfer the money to their account using XXXX application, which is available on bank of america 's mobile application. I am a student, so I didn't have the money to give until I deposited the cashier 's check.I deposited and sent the transfer on XX/XX/2019. The cashier 's check was showing as cleared and available on XX/XX/2019. On Thursday, XX/XX/2019, there were some complications with sending the transfer, so I called the bank and they has said that it would be a few more hours before the check will be made available. Then, on Saturday, XX/XX/2019, I found that my account had overdrafted because the cashier 's check had bounced and the money transferred were taken out. I called bank of america that morning, and they stated that the cashier 's check was counterfeit and that they could not do anything because I had authorized the transaction. I also called XXXX to report the fraud and they also said they were not responsible. 

My complaint : I do fully understand that I had authorized the transaction to occur, but it was under the premise that I had the funds in my account. I had also called Bank of America because there were complications with transferring the money ( when I had called I did not know that it the cashier 's check was fake ), and they said that it would just be a few more hours to process it. I do not understand how I could authorize a transfer if I do not have the sufficient money in my account. Further, both Bank of America and XXXX, both stated that they are not liable, but this application is available to use without adequate protection or clear liabilities to the consumer. They both direct you to a FAQ section stating that they are not held reliable, but I feel this should not relieve them from the obligation to protect consumers. I thought I was sending the money to another verified bank account.

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 2019-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: WV

Complaint narrative:
This service was cancelled when I changed companies. The account was cancelled due to poor service in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I made a payment to Capital One to XXXX out a balance on account I was closing because of fraudulent charges caused by a Capital One data breach. 

Capital One " lost '' a check for {$170.00} and instructed me to stop payment and send another payment, which I did. 

The second payment of {$170.00} cleared my bank and created a XXXX balance. 

After that, Capital One " found '' the first check and tried to deposit it. But it was rejected by my bank ( because the payment had been made already ). 

Now, Capital One claims that because the duplicate payment is stopped I still have a balance due. But the balance due is XXXX. 

I just spent 30 minutes on the phone trying to resolve this with XXXX ( XXXX ), and she was unable to resolve the issue. 

The bottom line is that Capital One is now trying to collect funds it is not owed. 

I want to file a formal complaint against them. This bank is unprofessional and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARC Management Group, LLC
State: TX

Complaint narrative:
This was debit that was taking care of by insurance. And this was 4 years. I give them the insurance more than once. It not my fault that they put the infomation in correct.and am not paying for this debit twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Purchased a ticket for a show through paypal. Found the user through XXXX event page, and communicated with user via XXXX XXXX. 
As soon as payment of {$19.00} ( {$19.00} ticket, {$0.00} paypal fees ) was sent through paypal, the recipient 's XXXX account went missing and I could no longer contact the user. I assumed payment would be protected through paypal, however paypal unwilling to protect this payment as it was mistakenly sent through 'friends and family '. I was distracted at time and through payment was sent as 'goods and services ' - something that seemed correct in my review before sending payment given there was a fee for sending this transaction. 

User clearly has email address ( XXXX ) linked to paypal account so hoping sending here will stop them from ripping off other people. Paypal unwilling to investigate this user - even though it CLEARLY should be there responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is ERC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ERC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ERC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ERC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ERC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I went to get a city sticker at the local currency exchange. Although I had cash I decided to pay the additional {$2.00} fee in order to buy my license plate sticker. I was checking my credit card statement some days later and capital one decided to charge me {$10.00} cash advance fee and {$.00} in interest charges. I was surprised and called them the day after. I let them know I have never drawn cash on this account and asked them what it was related to. They said the currency exchange ran the transaction as a cash advance. I let them know I didnt get cash and I was not informed. If I wouldve known I wouldve just paid cash. I asked them how can I be protected against this deceitful charge in the future if the merchant doesnt let me know. Capital one has no answer for me after making me wait 20 minutes. In addition. They didnt want to file an electronic dispute. Lastly told them to waive the fee which was insignificant but wrong in principle. After making me wait 10 additional minutes they denied my request. With the security breach that has been part of the news as well as this experience I will be ending my relationship with them. However I wanted to escalate this matter so they can better protect their customers from deceitful charges. I appreciate you know the matter head on. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Every year when it is time to re-certify my income, Nelnet asks me to send in documentation. Every year, they tell me I have to wait a few weeks for my paperwork to be processed and I have to use forbearance while they review it. And every year, they tell me they didn't receive part of my paperwork, causing me to waste additional months of forbearance. I sent my paperwork in this year as a single PDF, yet somehow ONE of the pages was missing, which will again cause me to waste another month of forbearance. I am only allowed 36 months of forbearance for the life of my loan, and Nelnet conveniently loses paperwork as a predatory way to make me use it up when I don't really need it. 

Living in California, where cost of living is astronomically higher than the federal average, it is already a struggle to pay back student loans based on my income. I fear that if I really fall on hard times and need forbearance, I wont have any left because it has all been used up based on Nelnet " losing '' my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: NJ

Complaint narrative:
On XX/XX/XXXX I disputed inquiries on my credit report with Experian to remove the unauthorized : XXXX XXXX also known as XXXX XXXX Then on XX/XX/XXXX I submitted a second dispute to remove the same inquiry. As of XX/XX/XXXX I received a response indicating after Experian investigation they found the account to be accurate. 

However, the XXXX  account found to be accurate was my XXXX   mortgage account i had since XXXX NOT the unauthorized inquiry from XXXX on XXXX for a XXXX credit card. 

I specifically ask Experian to investigate the XXXX XXXX. 

As a result of the completely wrong investigation Experian has removed 28 points from my credit score because of there error. 

XXXX XXXX  is for XXXX XXXX XXXXXXXX XXXX is credit CARD Therefore my credit profile has been impacted significantly with the inquiry remaining on my report. 

This left me compelled to write this complaint requesting my score to be adjusted and explain why your results of the wrong item on my report lowered my credit score? 

I am also still waiting for the removal of : XXXX XXXX INQUIRY TO BE REMOVED. 


Also there has been a XXXX alert placed on my report to show that there have been some unusual activity with all credit bureaus so why didnt Experian look in to the unauthorized inquiry?

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 2019-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Back in XXXX of XXXX I submitted a prior request to your office. My XX/XX/XXXX mortgage payment was reported 30 days late in error. At that time, the company did admit an error with their system, the payment I did in fact make online on XX/XX/XXXX was delayed in posting to XX/XX/XXXX by their own admission and agreed to take it off and they did. Subsequently the error was corrected and the complaint closed. Then a year later, they go back and reported it again late after not even servicing this loan since XX/XX/XXXX when it transferred to XXXX. I immediately called them on 2 separate occasions this year and Caliber on each occasion stated yes it was an error and that per RESPA laws you can not report a payment late within 60 days of a transfer to a new servicer. I reminded them of this prior complaint with your office and was reassured that it would be corrected once more. It still has not happened. At this point I would like them fined. They can not keep changing my reporting or refuse to correct their system error. It is in writing that it would be corrected. It was and for whatever reason a year later after not even having the loan, they reported the payment again late despite the admission of their system error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2019, Received alert on my credit report someone had open account in my name. However, they used the incorrect information like my address they had given wasnt correct. PayPal, they have give my old address which I hadnt live there in ( 8 ) years. Contact PayPal, on XX/XX/XXXX and they verified my correct information and closed the account but yet its still on my XXXX  credit report as : XX/XX/2019 SYNCB/PayPal XXXX  XXXX XXXX XXXX XXXX MD XXXX. Contact them again on XX/XX/2019 had me on hold for 1 hour and 30 mins and did absolutely nothing they stated once I filed my complaint with them they would removed it off my credit report. I did send them an email request to close that account due to the fact it wasnt my account at all. Once I updated my address it and verified who I was she determined that it wasnt my account they did closed it and did send me an email. PayPal, is using customers information without any kind of verification when they open up these account and hit customers credit report with a hard inquiry which I want them to take responsibility and take it off my 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 non-monetary relief
Consumer complaint received 2019-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UMB FINANCIAL CORPORATION
State: MD

Complaint narrative:
UMB Bank administers my HSA. They enrolled me in paper statements at a rate of {$1.00} per statement absent my authorization. The bank refused to disenroll me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: MD

Complaint narrative:
I purchased a car from Carvana in XX/XX/2019. Carvana guaranteed that it would register and inspect the vehicle. It failed to do both.

Company response to consumer: Closed with explanation