vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I borrowed {$15000.00} on XXXX from Citifinancial. From XXXX until XXXX I paid them {$30000.00}. On XXXX ownership of my loan was transferred to XXXX XXXX XXXX XXXX, XXXX, d/b/a XXXX XXXX, not in its individual capacity but solely in its capacity as Owner Trustee for WF 19 Grantor Trust. This was after I called Citifinancial questioning them about balance owed. The servicing of my loan was transferred to XXXX XXXX XXXX XXXX on XXXX. {$190.00} has been taken out of my checking account monthly thru bank draft by XXXX XXXX XXXX - without any written confirmation on my part. I NEVER gave them permission to take money out of my account. Isnt this illegal? 
In the first part of the year XXXX, I saw a bill from Citifinancial where it showed me how they applied the last payment and it didn't look right. So, I called Citifinancial and spoke to several different people over the next few months. They were supposed to be sending me in writing how they had processed all my payments. I wanted them to explain to me several different situations. I want to know what the {$490.00} charged to misc. charges in different amounts dating from XXXX thru XXXX were for. I also want to know why the only amount applied to balance owed in XXXX was {$170.00} on XXXX. The next time anything was applied to balance owed was XXXX in the amount of XXXX, then XXXX on XXXX, then XXXX on XXXX. THEN nothing was applied until XXXX in the amount of XXXX. From XXXX to XXXX they applied a total amount of XXXX to balance owed. The last time I spoke with anyone I was told that my account had been SOLD to XXXX XXXX XXXX. I dont know where or to whom to turn to for help on this matter. XXXX XXXX XXXX bought a {$15000.00} loan that should have only been around {$3000.00}. On different occasions when I was unable to make a regular payment or the full amount due, Citifinancial would offer me deferments. I really did not understand what this meant, only that I did not have to pay it and they were not calling me and asking where my payment for the month was. I was told it would be added to the end balance of my loan. XXXX XXXX XXXX is now telling me that the 15 year Promissory Note is up and I need to send them the remaining balance in full. Which I can not because I do not have that kind of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On Thursday XX/XX/2019 I send my son XXXX from my checking account XXXX XXXX XXXX XXXX  to his XXXX XXXX account he received it via XXXX XXXX in to this checking account XXXX. The next day XX/XX/XXXX I send him XXXX dollars again plus XXXX from my XXXX XXXX XXXX XXXX to his XXXX XXXX account. He wasn't able to received those monies. So he email XXXX XXXX to inform them of the situation he hasn't as of yet received any email from them. 

Mean while as he was sending his email I decided to call the customer service number XXXX XXXX. have on their website XXXX it has a recording. So I hung up and dialed that same number again and someone picked up and started to assist me need less to say I was on the phone with this person for about 40 minutes. my son and I. The person on the XXXX XXXX   phone number told me that our accounts was frozen till the next day and that XXXX would get the monies back into his XXXX XXXX account within 24 hours. Well 24 hours later no monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: CA

Complaint narrative:
I am reporting 2 incidents of identity theft that appear to be related.

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX 2. XXXX XXXX, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an Experian company ) on XX/XX/XXXX that that the balance of {$970.00} has been reported by XXXX as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around XXXX before ). This has impacted my ability to get the best rate on an auto purchase ( the lender increased the rate by 1.00 % after 10 days from the purchase date ). 

I also received a response from Experian regarding my dispute that above mentioned XXXX account is still scheduled to continue on record until 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 non-monetary relief
Consumer complaint received 2019-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have notified all 3 bureaus countless times about blocking these fraudulent items off of my credit report. There are still a couple child support items, and a couple student loan collections that still remain on my credit reports in which should absolutely bare no relation towards me. These fraud accounts are not consensual, i never had a relationship with any of them, and there's been no good legal assessment in which i've been sent status updates or verifiable proof from these bureaus investigation. But i do know FCRA Laws and consumer rights, the reporting credit bureaus have been willingly violating the 605 ( b ) law. I've already mailed/faxed my cover letter, ftc i.d report with personal statement, police report, attached list of fraud items sheet and proof of identification sheet. All have been went documented, traced and sent over to all 3 bureaus, by 605 ( b ) law the reporting agencies each only had 4 business days after the date of my mailed documents receipt, to block the said fraud items with all the necessary documents i provided. I got dealt the wrong hand by these bureaus, they disobeyed the laws. NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF These accounts should have BEEN removed/blocked from my account. I have kept a paper trail this entire time, myself and my lawyer are in the process of filing a big lawsuit against these bureaus for Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Credit Reporting Act.

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 2019-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX  limit is incorrect on all 3 bureaus my limit is XXXX, not XXXX this difference helps my FICO score

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 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX limit is incorrect on all 3 bureaus my limit is XXXX, not XXXX this difference helps my FICO score

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 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: KY

Complaint narrative:
On XX/XX/2019, I deposited two unit of local government checks at a local BB & T Branch located at XXXX XXXX XXXX, XXXX XXXX, Kentucky XXXX. One of the checks was for {$5200.00} and the other check was for {$15000.00}. I deposited the checks at the teller at the branch. The teller decided to put extended holds on the checks even though they are two unit of local government checks. Under the expedited funds availability act, the funds are to be available the next business day, subject to certain exceptions which don't apply under the circumstances. Per BB & T Bank {$100.00} will be available on XX/XX/2019, {$100.00} on XX/XX/2019 and {$4800.00} on XX/XX/2019, and {$15000.00} on XXXX XXXX. These holds are illegal under the Expedited Funds Availability Act. I asked the teller when I was doing the deposit why they were doing the extended holds even though they were government checks, and the teller 's response was because I didn't have sufficient funds to cover the checks in my account currently. Not having enough funds in my account currently is not an exception to the Expedited Funds Availability Act, and is being used as a pre-text to extend the hold times for local government checks. BB & T is flagrantly violating the Expedited Funds Availability Act when I deposited two local government checks and the funds are supposed to be available within the next business day.

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 2019-03-11 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: AZ

Complaint narrative:
I contacted Experian to inform them the following information is incorrect. The information is still reporting incorrectly : My name is NOT and never have been XXXX XXXX XXXX, delete from aka or otherwise. The following addresses are inaccurate and require deletion from my report XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX, my current address is XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX-please add to report. My current employer is XXXX XXXX XXXX XXXX, please add to my report. I am a XXXX veteran of DEPARTMENT OF US XXXX. Please update personal information accurately. 
Account : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-11 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: EQUIFAX, INC.
State: ND

Complaint narrative:
Attached is a copy of the US Dept of Treasury document dated XX/XX/2019 showing my child support payments were applied to the delinquent debt owed. These payments were made to the XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. 

Equifax ; XXXX and XXXX - are reporting incorrectly that the following accounts are in collections - partial account numbers : XXXX ; XXXX ; XXXX ; and XXXX. I have contacted the three bureaus regarding this incorrect reporting, but have not been able to get the issue resolved. This is a violation of the Fair Credit Reporting Act and this incorrect information is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: United Group Inc.
State: OR

Complaint narrative:
Our car was repossessed. We were able to get a loan with another company. During that process we asked XXXX at the XXXX branch of United Finance repeatedly if a cashier 's check in their name was going to be ok. She repeatedly assured us it would be fine. We remained in contact with XXXX during the whole process. We received the check and took it to their office. We were told that they were not going to accept the cashier 's check because we might cancel the check. I assured them that I would not and that I was told that if I did that I could be facing criminal charges. XXXX said he needed cash or would not release my car. Or he gave me the option to give them the check and once it cleared they would release my car. I went to the bank to get cash and they said they had to order the cash and that could take 5 days. So at this point I decided to just give United Finance the check and wait for it to clear. While I was in the office I over heard one of the employee 's tell a customer that they would mail the title to them once the check had cleared. Since United Finance is holding my title they could do the same for me and not be in jeopardy of losing the ability to repossess my car. Because of the wrong information I was given by their employee and their unwillingness to work with me I will now be out at least {$350.00} for storage fees of my car. I want to be reimbursed for those fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened a business checking account and merchant services because they offered a rebate and the fees were cheaper than my current provider. Fees were to be waived until XX/XX/2019 and when they did come they were to be taken out of the XXXX rebate according to the agent. Instead my account was charged for {$99.00} and XXXX even though I got a letter saying it was waived and since the account was new it only had opening balance which caused it to overdraft. I contacted the bank directly and they could not reverse and the agent has not reversed as he said and has since not been responding as readily since I told him to close the account and reverse fees.

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 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On JXX/XX/XXXX I started working for a company that sent me a fake check. On XX/XX/XXXX I went to Bank of America in XXXX, WA ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) to cash the check having no idea what was happening and the bank closed my account immediately without even notifying me. When I went in to ask about my account they just said " I am sorry you committed fraud and will not be allowed in a bank of America establishment. '' I was XXXX XXXX XXXX at that time with no intention of ever committing any fraud. 

They wouldn't work with me to help me sort out my issue. Just XXXX all my accounts, sent my balance in a check and never helped me with anything. I tried going to the same location to find answers and they were not helpful whatsoever. 

I went next door to XXXX and they opened me a checking account without any questions so I didn't even know I had a block on my account until last week. Now I am married and tried to get an account with my husband and XXXX XXXX denied my request.

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 2019-03-11 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: ND

Complaint narrative:
Attached is a copy of the XXXX XXXX XXXX XXXX  document dated XXXX showing my child support payments were applied to the delinquent debt owed. These payments were made to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. 

XXXX  ; Experian and XXXX - are reporting incorrectly that the following accounts are in collections - partial account numbers : XXXX ; XXXX ; XXXX ; and XXXX. I have contacted the three bureaus regarding this incorrect reporting, but have not been able to get the issue resolved. This is a violation of the Fair Credit Reporting Act and this incorrect information is hurting my credit score.

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 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I closed my accounts with Wells Fargo on XX/XX/XXXX. XX/XX/XXXX received a call from Wells Fargo informing me that my checking account was overdrawn. XX/XX/XXXX walked to nearest Wells Fargo Branch. The Branch Manager was busy so Bank Officer XXXX said he could help. I told him about the call I'd just received and asked if he could see what is happening because I closed my accounts on line and showed him the receipt. He said I have to do this in person. I asked XXXX to make sure my accounts are closed, since this was a Bank requirement that I did not know. He assured me he would. After over an hour and several calls XXXX said he was told that Wells Fargo had deposited other clients money into my account and they wanted me to pay it back. There is nothing more he could do and suggest I go to my Branch. I did so and met with XXXX XXXX and then with manager, XXXX XXXX, she made calls and the result was the same, I owe Wells Fargo because they mistakenly put someone else 's money into my account, and I must repay it. Unbeknownst to me, I subsequently found out that despite closing my accounts, Wells Fargo hade left them open. XX/XX/18 I received an e-mailed copy of a statement ( attached ) that showing 6 deposits made on the date XX/XX/XXXX that I closed my accounts. I have found Wells Fargo to be dishonest. There are several court cases in which Wells Fargo was charged and fined for similar offence. Wells Fargo is making me a defendant in a case I had nothing to do with. My only fault was not closing my account earlier than XX/XX/XXXX, and still they seem tobe governed by no law or Banking ethics. I need your help. n I have a court date on XX/XX/XXXX. Please 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 2019-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
On XX/XX/2019 I sent a letter certified with tracking number XXXX XXXX XXXX XXXX XXXX to Midland Funding. It shows that my dispute letter was received on XXXX XXXX at XXXX XXXX. In my letter of dispute I informed the collection agency of my dispute and that I was requesting validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In my letter I also request " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. in which my letter was all ignored and instead they are sending me letters threatening to sue me. They are in violation of the FCRA & FDCPA because clearly they are unable to validate this supposed debt by ignoring my dispute and instead of sending me proof of validation they are in turn sending me letters threating to sue. Not only are they in violation of my rights they are clearly reporting a false policy on their website when it comes to debts. practicing the very opposite of what they are committing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
My complaint is because I have some unauthorized charges to my Discover bank, account # : XXXX, with a current balance of {$3700.00}. This charge was made in the XXXX of XX/XX/2017. All charges after XX/XX/2017 are not mine. Im including a police report and an FTC report and also a refusal letter from Discover bank.

Company response to consumer: Closed with non-monetary relief