vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-07 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: U.S. BANCORP
State: WI

Complaint narrative:
XXXX : I was signed up for overdraft protection which was tied to my XXXX  checking account. I started to see charges on my credit card statements in XXXX XXXX for cash advances that I did NOT make. I called in and was told these were for the overdraft protection and no clear resolution was made. 

The charges appear as XXXX overdraft protection. 

Now, XXXX XXXX, XXXX, I noticed that charges again and called the bank. It seems that is almost every month in XXXX, the over draft charges were made, and showed up as cash advances on my credit card. Thus, the bank is basically saying that my auto payments from my linked checking account showed an overdraft and thus the payments to my credit card were actually made by a cash advance from that same credit card. Complete lunacy!!! 

The issue is that I have always had money in my checking account, except for once, XXXX XXXX, but that was a banking error and the balance was restored the very next day. Thus, I'm now showing cash advance balance of over {$4900.00}, with daily interest charges! This is totally erroneous. My bank has always had enough money in the account for the payments. It is just that when I use auto pay - they debit it like an over draft and I'm made to pay for it! 

I refuse to pay for this. They are stealing money from me, regardless of the what the agreement says. I was never made aware that my account was below zero because it wasn't below zero.

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 2019-09-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute on an old collection claim with XXXX XXXX. I have not received any response.

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 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries and I believe that I am a victim of this error

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 2019-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/19 I deposited a {$3000.00} personal check drawn on XXXX Bank using the Bank of America XXXX MA XXXX XXXX ATM. The check was presented and cleared the same day. However BOA put a hold on the funds. On XX/XX/19 I showed a copy of the cleared check and the withdrawal from my account and the hold on my BOA account to the Bank Manager, he understood the issue and told me to call customer service. I asked him where my money was since it was no longer in my XXXX account and BOA has a hold on it and it is not in BOA balance. He could not answer

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 2019-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
ONE THING THAT I NOTICE THAT THE BANKRUPTCY COURTS DO NOT REPORT TO ANY CREDIT BUREAUS AND THE STSUE DIDNT NOT HAVE THE CITY AND STATE SPELLED OUT THE CORRECT WAY. IT SHOULD SAY U.S. BANKRUPTCY COURT OF XXXXXXXX TN AND ITS SHOWING DIFFERENT IN ALL 3 BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
This complaint submission is in regards to an Unauthorized Inquiry reported by CITIZENS BANK. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I have not done any business nor have any revolving accounts with them. CITIZENS BANK is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the Consumer Finance Department by the name of XXXX XXXX, who claim they don't have anything on file. I then received their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor XXXX stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response since XX/XX/2019. It was confirmed through my fax machine that the Supervisor XXXX had received the files ; however, after more then 15 days of notifying them, still no response. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting CITIZENS BANK immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, CITIZENS BANK is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/19 I deposited my paycheck of {$1200.00} into my Bank of America checking account. As always, they held my check and gave me {$200.00} of it. This morning on XXXX my account was negative {$200.00} and they froze my check for absolutely no reason and now I have XXXX money to survive.

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 2019-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I was transferred to Mr. Cooper Loan servicing on XX/XX/2019. Per multiple communicators when Mr. Cooper agents my online account access would be available on XX/XX/2019. When I logged in this morning my online access was NOT available. The website stated that online account access would be available on XX/XX/2019. Clearly this is not the case. I am questioning the integrity of the IT system, Internal Controls, and Data protection policies for Mr. Cooper. Part of the answering service is " Welcome to the Family '' and the motto of the company is " Changing the face of Home loans ''. I do not feel secure in knowing that my loan was transferred to a company that will lie to new home owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: NY

Complaint narrative:
I am getting hit on my experian credit report and possibly other credit reports by XXXX XXXX on XX/XX/19. I am looking over my records and I do not recall giving any permission to give a hard pull to there bank or signed over anything giving anyone permission. Under the fair credit act I had called the bank to ask them to send me the proof of this Inquiry which they never provided. I am looking to have this false information off my report. As it is fraud and was not authorized by me.

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 2019-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
ONE THING IS THAT THE BANKRUPTCY COURT SENT ME A LETTER SAYING THAT THEY DONT EVEN REPORT TO AND CREDIT BUREAUS EVER AND THEY ARE NOT SHOWING THE CORRECT SPELLING ON EACH bureau IT SUPPOSE TO READ U.US. BANKRUPTCY COURT OF XXXX TENNESSEE it's NOT SHOWING THIS AT 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 2019-09-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My daughter and I went to 5th 3rd bank to open a saving and checking account and while opening the account she told both of us that we were approve for a no interest credit card, she gave us papers to sign and said the card would be to us in a few days, we told hard that we did not want a hard inquire on our record and she told us that the bank only pull soft inquire. We wrote the bank with a complain and they said we have your signature on the forms so that is our problems. We were trying to fix our credit and they just hurt us by there person that lie to us. We just would like them to remove the hard inquire

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint submission is in regards to an Unauthorized Inquiry reported by CITI BANK / CITI BANK NORTH AMERICA. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I have not done any business nor have any revolving accounts with them. CITI BANK / CITI BANK NORTH AMERICA is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the Credit Services Dispute Department, who then gave me their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response since XX/XX/2019. It was confirmed through my fax machine that the Department had received the files ; however, after more then 15 days of notifying them, still no response. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting CITI BANK / CITI BANK NORTH AMERICA immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, CITI BANK / CITI BANK NORTH AMERICA is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.

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 2019-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
I have had accounts with First Midwest Bank for several years. First Midwest changed my accounts without notice and was charged a XXXX XXXX maintenance for an account being below {$100.00}. 

These accounts are labeled as free checking when I go to pay bills. 

This is how it is listed as of XX/XX/19 Show all payees sorted by name Pay from : FREE CHECKING When I Log in it show the account as follows FIRST MIDWEST EASY CHECKING, which you need have a balance of {$100.00} at all times to avoid a fee. 

I was concerned at asked about this on the First Midwest bank XXXX site. 
This is the response that I received : First Midwest Bank First Midwest Bank Good morning Mr . 

First Midwest is a very strong, healthy bank. As a business, we have to make decisions that allow us to continue to be competitive in a very competitive market. That may mean closing a branch, updating and adding to our product offerings, and even sometimes adjusting fees. 

Thank you for your message. 

I went in to the bank and closed out the account that was charged, so I would not get charged another fee. The banker closed the account and was bragging about other branches being open. 

I have two accounts still open with this bank. They are charging maintenance fees for accounts listed as free checking.

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 2019-09-07 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: DISCOVER BANK
State: CA

Complaint narrative:
back in XXXX I paid off my discover card and asked to close my account however since XXXX was a able to keep my account open and then make about 4k in transactions and pay with the bank account that was on file with the card. however I told my bank not to allow any more transactions out of my bank to that company so they blocked ALL payments. I called discover to report this as soon as the first payment was attempted from my bank however they failed to close the account there were about 8 more failed payments and by the time discover shut down the card it was =dude to amount of failed payments. since then I was told by discover that they were going to give me a call back I sent several letters to the company however they failed to call me back or send me letters. I just found out that they placed a judgment against me in XXXX however they never notified me of court I was never served and to be honest this is crazy I don't know how they are able be operating in the usa1!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 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: NV

Complaint narrative:
Multiple times this has happened but yesterday and today I have proof through experiane emails this happens on a regular basis. 
On XX/XX/XXXX thursday, in the evening at about XXXX. I called to file the dispute. On XX/XX/XXXX i get an email verifying dispute is opened, friday. On fri XX/XX/XXXX i get an email at approximately XXXX saying dispute completed. They contact company verified info and no changes have been made. 
Exactly how in less than 24hrs was the info sent from experian to company, company got dispute read it, opened my close account files, looked into disputed info and replied to experian before XXXX that the info was accurate and complete. 
They would not have received notice of dispute til they opened at XXXX or XXXX XXXX on friday. And they close at XXXX on friday and dont reopen until monday morning. 
Did experian really verify the info was correct. Did they even send disputed info to company or did they just lazy their way out and say done within 8 hours. 
As this has happened muliple times with multiple companies my guess is experian is shortcutting and not fully investing claims. And not fully reading and documenting problem.

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 2019-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
THE US BANKRUPTCY COURT SENT ME A LETTER STATING THAT THEY DONT EVEN REPORT TO ANY CREDIT BUREAUS EVER AND PLUS ITS SHOWING THAT ON ALL 3 BUREAUS IT WASNT SPELL OUT CORRECTLY IT WAS SUPPOSE TO REPORT U.S BANKRUPTCY COURT OF XXXX INDIANA AND ITS NOT SHOWING THAT AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
I was one month behind on my payment. In XXXX I was put on XXXX  XXXX  XXXX due to a number of health problems and my pay was not correct, so I was short and couldn't make a payment in XXXX, which put me 2 payments behind. I spent most of XXXX and XXXX in the hospital. When I was finally home around XX/XX/XXXX, I sent a payment of {$1500.00} and my regular payment is {$1200.00} to show that I was trying to get caught up. I went to make another payment in XXXX and realized that Loancare had sent back {$1000.00} of the {$1500.00} and kept {$500.00} for late fees. which put me even further behind. I called in XXXX to find out why they sent the {$1000.00} back and they said to avoid foreclosure they needed a total of {$3700.00} by the end of XXXX. I had to wait until I got paid on XX/XX/XXXX to have the full amount they required. I called on XX/XX/XXXX to pay the {$3700.00} and I was told my home was placed in foreclosure on XX/XX/XXXX. They said my only option was to try to get on a repayment plan. So I downloaded the hardship packet and emailed the completed packet on XX/XX/XXXX to the email address I was provided, XXXX. I called on XXXX to confirm my documents were received only to be told that I sent them to the wrong email address and I needed to email to XXXX. This company is very difficult to work with and have policies in place to keep the customer in default by returning partial payments and doing what they want with the rest.

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 2019-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
Apparently we had a debt with an apartment complex that we were not notified of until it was sent to a collection agency. They called my husband at his place of work harassing him to pay the full amount right that second or our credit would be destroyed and we'd never be able to move into a house or get credit cards, etc. They were very rude and mean. My husband told them that he was at work and would call back later but they said if he hung up that would mean they are going to be taking action against us. I called them back myself asking to set up some kind of payment but they told me I had to pay it all right that second and they would not accept anything else. When I told them I didn't have any money at the moment they said I have to take out a loan or they are going to destroy my credit. We tried one more call to set up payment but they flat out refused and sent the debt off so that it would appear on our credit reports. I have tried to get it taken off but it seems impossible and I don't think it's fair ( or legal ) that they literally would not accept any payment or allow us to resolve the issue instead they used scare tactics and threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
HIPAA VIOLATION : In XXXX and XXXX of 2019 I recieved updated reports after I requested investigations into HIPAA violations from FINANCIAL RECOVERIES and XXXX XXXX. The results of these investigations stated that the account was verified as accurate. I was also provided with a bill and invoice stating the amount owed. I am not disputing or asking for verification. I know my rights under the FCRA and the FDCPA. I am asking for these companies to provide a copy of my signature giving my consent to release or share my medical records to a third party. I am willing to seek further legal action if necessary. 
Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief