vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I opened a new account on XXXX XXXX to bank of America in XXXX Arizona. On XXXX I deposited my first payroll check in the amount of XXXX via their mobile app. When the app said the check will be held until XXXX I thought it was as because they did n't have three physical check. I did n't know the procedures of the mobile app this was the first time I deposited any monies via an app. So I immediately took the physical check to the bank and put the money into the bank. When I saw that the check showed as a duplicate I called bank of America to inform them of the issue. I was told that there would n't be a problem. The system would show the error and correct it. I was told to wait until the XXXX of XXXX in order to have access to my funds. I expressed my dissatisfaction with the extreme wait times. On XXXX XXXX I received two emails from Bank of America stating my account was below {$25.00} then XXXX dollars shows up in my account that I did n't put there. The bank could not explain it me. It was not a deposit from an outside source at all. The very next day XXXX checked my account at XXXX via the mobile site and it was said that I was now over drawn by XXXX mind you I had not used my card since XXXX. By XXXX XXXX my account stated the drawn amount was {$23.00} dollars and some change. All the while my funds are still on hold. I then proceeded to do in to the local bank of America and was told it was just how business was conducted and I would have to wait the situation out. I called my employer to inquire is the check had been payed out. My employer shows the check was processed XXXX funds had already been sent. I made yet another call to bank of America who still refused to release my funds. And still could not explain how I was overdrawn by {$23.00}. When I told them I had email to prove that my balance was below XXXX in Thursday I was told that does not matter it would n't do me any good. My money is being stolen through bank of America I have made several phone calls and have made several appearance in the local branches with no help at all. I still have my emails I will be planning on going public with a lawsuit for misappropriation of funds due to the carelessness if this financial institution.

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 2017-12-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
on XXXX/XXXX/XXXX I received 2 letters from XXXX XXXX XXXX, XXXX informing me that they were attempting to collect debt from two accounts currently held by the XXXX XXXX XXXX XXXX XXXX. 

These two loans were issues in XXXX and I have not made payments on either these accounts for quite some time ( 5+ years ), when they were previously held by XXXX XXXX XXXX . 

I found this article : https : //www.consumerfinance.govXXXX  My understanding is that attempting to collect this debt either by the XXXX XXXX XXXX XXXX XXXX or a 3rd party is currently illegal. 

They are attempting to collect the following two accounts XXXX - {$10000.00} XXXX - {$3600.00} I have not taken any action at this time but I do plan on contacting a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The reason for my complaint is I had an open credit account with a store named XXXX XXXX via XXXX XXXX that account was always in good standing and as of XXXX XXXX 2017 my credit score with XXXX was XXXX and it was over XXXX with TransUnion. What happened was that XXXX closed my account due to XXXX going out of business not because I did anything wrong with my credit line. Subsequently what happened was my numbers dropped 48 points for something that was out of my control. It hurt me because I am currently attempting to  acquire a home. I have sent those agencies emails in regards but I have not heard anything back from anyone to fix my numbers to where they were.

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 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/X/2017, I attempted to order XXXX XXXX credit monitoring service, offered by XXXX XXXXXXXX XXXX ( XXXX ) / XXXX on their Web site ( https : //usa.experian.com/ # /registrationXXXX XXXX XXXX XXXX ). The order failed, due to an XXXX XXXX XXXX ( XXXX ) / XXXX internal server error ( see attached screen print ). The error continued to occur as I tried placing the order additional times, and I was unable to access the service. After calling the customer service number provided ( XXXX ) and waiting on hold for 25 minutes, I reached an agent, who acknowledged the error, but was not able to manually process my order. I was told to try placing the order the next day. To sum up, the company is offering a service they apparently do not have the technological capacity to provide. This is a concern, given the high sensitivity of the consumer data they administer. Further, they dont provide the normal means of electronic contact ( email, chat, etc. ) that would be expected of a technology-intensive information services company and that would enable consumers to document and report issues they encounter with the services in a convenient, timely, and written manner. If they provided these means, this CFPB complaint would not be necessary.

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 2017-12-05 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: NY

Complaint narrative:
I have a mixed file on my credit report Transunion is reporting I have a bankruptcy on my report this is incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXX However, I have received a debt collection letter from a company called XXXX XXXX XXXX same address as XXXX XXXX XXXX who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX Amount : {$610.00} I received a debt collection letter from XXXX XXXX XXXX XXXX, XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XXXX XXXX, XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - Equifax, XXXX and XXXX and they have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I would like to first point out XXXX XXXX XXXX does not own my mortgage XXXX XXXX XXXX is the owner. My mortgage has not been sold to XXXX XXXX XXXX. Thus, said XXXX should be reporting the original debt in the same format as XXXX XXXX XXXX in the attachments provided. 

XXXX XXXX XXXX 's reported to Experian, the first date of delinquency reported in XX/XX/XXXX.  Therefore, since XXXX is not the owner of the debt just the collection agency this should be reported in the same manner. XXXX is attempting to restart the debt by reporting the first date of delinquency is XX/XX/XXXX, without including historical data. 

I have been reaching out to Experian almost one month regarding the reporting of XXXX XXXX XXXX on my credit report. Explaining XXXX is not reporting the data correctly. I spoke with XXXX on XX/XX/XXXX XXXX EST who is a customer service representative at Experian she explained there is no record of XXXX XXXX XXXX 's reporting on any of my credit reports from XX/XX/XXXX. I have attached the reporting for Experian to review.

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 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was charged 2 over draft fees and my account was not over drawn the 2 fees where charged to my account on XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: CORELOGIC INC
State: FL

Complaint narrative:
I was processing a mortgage loan with XXXX XXXX, and after they were wanting to charge me preposterous and unexplained fees, I decided to take my business elsewhere. They have continued pulling credit reports without my consent. I moved my business and am now processing a mortgage with XXXX XXXX and have authorized them to pull my credit, there are multiple other inquiries that have not been requested nor authorized. I placed a credit freeze on all of the credit bureaus and would like to request an investigation as to who is pulling my credit report with hard inquiries without consent.

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 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I have been accessed fees in the amount of {$380.00} mostly due to Overdraft charges from XX/XX/XXXX - XX/XX/XXXX. These fees were levied against my account because I trusted their balance information provided via their online account and telephone services. In addition, their computer system delays the debit of charges up to four days after the purchase has been made creating the opportunity for Overdraft fees in the amount of {$38.00} per incident. I was told by one of their representatives that the debit delays were caused by the merchant. 

As such, I owe them nothing for the following reasons : 1. All Overdraft charges were levied as the result of their system delaying the posting of 12 debits from XX/XX/XXXX to XX/XX/XXXX ( per their statement dated XX/XX/XXXX attached ). 
2. Their online and phone system provided me with inaccurate balance information prior to the transactions in item 1 above. 
3. I relied on their inaccurate balance information before making a decision to use their debit card as opposed to two other cards and cash in my possession at the time of the purchases. 
4. These bogus fees counter their very own policy which states Once a debit card transaction ( ATM withdrawal or purchase ) is authorized, a hold is placed on the clients account reducing the available balance. Funds on hold for pending debit card transactions generally can not be used for other purposes, even though the transaction has not posted against the account 5. I used other debit cards with the same merchants and those charges were deducted either the same day or by first thing 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 2017-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I sent my entire insurance proceeds of ( {$75000.00} ) to Select Portfolio Servicing on XXXX-XXXX-17.

90 days now and the funds have not been credited to my account! 
Meanwhile they have added expensive homeowners insurance to my burned up home! It cost triple to the policy I had prior to the fire! 
Last night & nearly every night I get a threatening phone call from SPS. This time after 21 minutes of XXXX, I told the guy ... 
Go ahead with your foreclosure plans, SPS is going to look pretty XXXX foreclosing on a paid mortgage! 
Since the fire {$78000.00} has been received by SPS towards my mortgage. 
They have me showing in default while sitting on the {$75000.00}, thus the collection calls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: AZ

Complaint narrative:
I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXXi. However, I have received a debt collection letter from a company called XXXX XXXX ( same address as XXXX XXXX ) who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX* Amount : {$610.00} I received a debt collection letter from XXXX XXXX XX/XX/XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XX/XX/XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - XXXX, XXXX  and TransUnion and they have done nothing.

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 2017-12-05 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: AZ

Complaint narrative:
I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXX. However, I have received a debt collection letter from a company called XXXX XXXX ( same address as XXXX XXXX ) who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX Amount : {$610.00} I received a debt collection letter from XXXX XXXX XX/XX/XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XX/XX/XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - XXXX, Experian and XXXX and they have done nothing.

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 2017-12-05 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I filed on XX/XX/XXXX both by phone and filed on line with XXXX. Reporting that my loan with Capital One Auto finance was incorrect. XXXX has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was Capitol One not reporting. 2nd excuse It takes XXXX 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.

Company response to consumer: Closed with explanation