vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/16 I had my account overdrafted by a single transaction. Wells Fargo shows you your available balance ( including pending added in ). So transactions were made based on what was available and already posted. 

A payment based off a business expense went through that can't be predetermined. Causing a overdraft. Every transaction made before this transaction becomes part of the overdraft and each small transaction becomes a XXXX $ fee even though you had the funds at the time. 

Then Wells Fargo claims if you deposit enough to put you positive within that day ( XXXX ) the fees would be taken off. Which I did They did not honor this and after speaking with a honest rep they admitted this is how they trick customers and how they make there profit. 

I was offered to take off overdraft protection which they stated " allows you to still make transactions so you wouldn't be embarrassed '' but charges you a fee. This all while you are still showing a positive balance. The then at the end of the day take all the transactions after the overdraft transaction and overdraft all those too. 

This is straight misleading and fraud and its there default. 

So a bottle water, XXXX, XXXX in gas, etc ends up being a XXXX $ bill due to only one transaction overdrafting.

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 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I sent in letters to the credit reporting agencies, called over the phone and finally was able to reach a representative for both Equifax and XXXX and tried as best I could to state my claims. Firstly these rep, helpful might I add but they both said they were not stationed in the United States nor could they locate the letters I send it. I'd like for a resolution. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 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: Capital For Change, Inc.
State: CT

Complaint narrative:
CHIF or Capital for Change is reporting incorrect information to XXXX credit bureau I have tried for months to get it corrected and am being told that info is updated but credit bureau says they are not receiving corrected info from company. First of all they had a problem which caused them not to update info for several months. Then when they finally updated info the balance was incorrect. They keep telling me they are sending correct info to bureau but bureau says when they send the info it is updated immediately. Last update was on XX/XX/2019. My balance shows {$16000.00} now but I only owe {$15000.00}. Several disputes filed to no avail. DEPT OF BANKING told me to file a complaint with you after being at a standstill with CHIF. Credit Bureau says they can not accept my statements showing correct info has to come from company via electronic transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: NC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I sent in letters to the credit reporting agencies, called over the phone and finally was able to reach a representative for both XXXX and Transunion and tried as best I could to state my claims. Firstly these rep, helpful might I add but they both said they were not stationed in the United States nor could they locate the letters I send it. I'd like for a resolution. Please help 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 explanation
Consumer complaint received 2019-04-17 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: NC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I sent in letters to the credit reporting agencies, called over the phone and finally was able to reach a representative for both XXXX and XXXX  and tried as best I could to state my claims. Firstly these rep, helpful might I add but they both said they were not stationed in the United States nor could they locate the letters I send it. I'd like for a resolution. Please help 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 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Checking Account Ending In XXXX Dear Mr. XXXX : I am writing to respond to the complaint our office received from the Consumer Financial Protection Bureau ( CFPB ). I understand you expressed concern with a transaction from XXXX which was deducted from your checking account ending in XXXX on XX/XX/2019, in the amount of {$1000.00}. My attempt to contact you at your telephone number on file, XXXX, was unsuccessful. As such, I felt it best to communicate in writing. The Bank apologizes for any inconvenience you may have experienced as a result of not having access to your funds through TIAA Bank. Records confirm on XX/XX/2019, you initiated a XXXX transfer through your TIAA Bank account. Specifically you requested {$1000.00} to be deducted from your XXXX XXXX account ending in XXXX to be credited to your TIAA Bank   the following day. Bank records confirm on XX/XX/2019, these funds were successfully transferred to your TIAA Bank account as requested. If the funds were never credited to your TIAA Bank account, we request you reach out to them as the XXXX transfer was initiated through TIAA OLB Money Request. I hope this correspondence has addressed any concern you may have had regarding this matter. Please be assured as a valued customer of XXXX XXXX, our commitment is to provide you with the highest level of customer service and consistently exceed your expectations. Should you have any additional inquiries, please contact me directly at XXXX during my office hours of Monday through Friday from XXXX XXXX until XXXX XXXX Eastern Standard Time ( EST ). Respectfully, XXXX XXXX Office of the Chairman CC : Consumer Financial Protection Bureau ( CFPB ) CFPB Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
I obtained a HELOC loan to pay off some credit cards in XX/XX/2019. XXXX XXXX  issued a Cashiers Checks to pay off my XXXX 's account. The check was written out for {$80.00}, paid to the order of XXXX XXXX. However, they accidently sent the check XXXX XXXX to First National Bank of Omaha. First National Bank of Omaha deposited the money into their account, and because the account number on the check was not an account of theirs, the money, obviously, was never credited to. my XXXX account. As well, it was not credited to the account I have with First National Bank of Omaha  : a XXXX XXXX VISA card. 

Basically, the cashiers check was cashed by First National Bank of Omaha, but never credited to any account I hold. 

On XX/XX/XXXX the check was received and deposited. I called XXXX for months to try to figure this out, and finally on XX/XX/XXXX, Macys informed me that the check was cashed by First Naitonal Bank of Omaha. They gave me the phone number for FNBO, On XX/XX/XXXX, I spoke with a Customer Service Rep and they told me to fax a copy of the check and the receipt from XXXX XXXX for this transaction and they would get back to me. I have since called them several times, written them letter and to no avail. They tell me they did not receive the faxed copies, or the written copy. 

I need help getthing this oney back.

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 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: CA

Complaint narrative:
I am a victim of identity theft and fraud, where there were multiple credit applications for credit cards and loans filed under my name. This account was fraudulently opened without my permission and consent, I request you to remove and close this account. 
I have already filed a police report and FTC report, this fraud case is under investigation. 
I have contacted three credit bureaus, I have a fraud alert and personal statement in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
A check deposit in the amount of XXXX made on XXXX shows funds availability date of XX/XX/XXXX, the processing time frame chosen is ten day days, XX/XX/XXXX is months away not ten days. The transaction ID was provided in prior complaint. That complaint pertains to this error, XXXX XXXX with Bluebird replied and referred to BMA ( Bluebird Member Agreement ) rather than look into the issue, it appears to be a technical error. The BMA has nothing to do with this technical error, I chose ten days a processing time frame instead of money in minutes and again, its showing available on XXXX XXXX. Despite what the rep claims, I did in fact make a call in re and brought it to that rep 's attention, I did not imagine this and the reason there is no record if it is because they do not record and or make note of every call they receive.. If they did record and or make note of every call then their records would be quite extensive to say the least. Needless to say, their claim of no record of call is bogus. Funds should be available on XX/XX/XXXX, which is ten days, not XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX My wife was contacted by phone for a agency trying to collect a debt from HSBC credit card they said I opened the account on XX/XX/2013 what is totally false. They have my social security number and my date of birth and because of that they treating to take me to court and make my pay more than {$2000.00} for {$650.00} credit card debt that I never requested. The lady on the phone saying my wife that they will take me to court even though she keep telling her that we I never asked or used that credit card. 
I called to HSBC and they confirmed that I don't owe nothing but this lady in XXXX XXXX XXXX keep treating us to take me to court because according to her I applied for that credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CO

Complaint narrative:
They charge more than Colorado allowed 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 explanation
Consumer complaint received 2019-04-18 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: Diversified Consultants, Inc.
State: WI

Complaint narrative:
In XX/XX/2018 we canceled XXXX services. ( Had paid the monthly payment by autopay. ) upon canceling, we were informed that we must return equipment upon receipt of their postage paid box/label or we would get charged for equipment. We promptly and immediately complied and sent all items requested. We verified it was received by XXXX. 

Because we were also building a new home ; beginning XX/XX/2018, we applied for a construction loan from our financial institution and our credit scores were impeccable, as they always have been. My wifes and my own credit scores were, in fact lateral as we have been married 25 years and had the same accounts, etc. 

Because our construction loan is now matured and needs to be converted to a traditional mortgage, our financial institution indicated we could not get a good rate on a mortgage because my credit score took a nose dive! To my utter shock, I reached out to XXXX to inquire as to why the sudden drop. It was indicated I had an unpaid bill reported to them by Diversified Consultants IN, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( phone XXXX ) in the amount of {$800.00}! 

First, we NEVER received notification of such amount due and second, we had no idea who this company was! After searching their name we learned they were a collection agency for XXXX! 

We immediately filed a complaint with XXXX and spoke to them numerous times to expedite our complaint and resolve the incorrect information so to put my credit score back to where it was prior to the scathing incorrect information. 

Unfortunately, every time we have spoke with them, there was a huge language barrier and after hours and hours on the phone, we asked where we were calling and learned it was the XXXX. We then asked to speak to someone in the USA and was obliged with the request. 

The credit bureau did indicate the item was deleted from the credit file, however it could take as long as 90 days to be reflected on my credit score!!! I begged that this be carried out sooner so I may get a traditional mortgage that should be afforded to me. I have worked all my life, paid all my bills, fought for my country, and have had an impeccable financial and personal reputation. 

I have explained that this is unacceptable and unjust. It was not a valid debt and further, this incorrect ding on my credit score is going to cost me many, many thousands of dollars due to the fact I can not obtain a traditional mortgage!!!! 

Diversified Consultants, XXXX and XXXX needs to compensate us for the grief, anxiety, and moreover the additional costs we will incur due to this total debacle. 

For your information, the XXXX Confirmation number of the completed complaint is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CO

Complaint narrative:
They charge more than Colorado allowed 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 explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: CO

Complaint narrative:
They charge more than Colorado allowed fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: CO

Complaint narrative:
They charge more than Colorado allowed fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I've opened a USAA account and then opened a trading account with USAA. Today XX/XX/XXXX I tried to log on to start trading and I get the error message XXXX my account is restricted. I called USAA and I was told that USAA is " excersing its rights not to do business with me '' FOR WHAT? I DID NOTHING WRONG ITS NO FRAUD NOTHING BAD IN MY NAME OR IN MY RECORDS OR WITH XXXX! My social is brand new after being a victim of id theft and I decided to give usaa a try and I get treated wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion is incorrectly reporting my credit history - it is missing my credit card payment and activity history. 

I have contacted TransUnion and XXXX XXXX XXXX about the matter. I called TransUnion customer service twice- I don't recall specific dates and discussed the issue. They advised me to check with my bank/credit card account provider if they are reporting the credit card activity correctly. I contacted my bank/credit card issuer ( XXXX XXXX XXXX  ) and I was instructed to contact TransUnion because TransUnion is not picking up my name correctly ( XXXX XXXX instead of XXXX XXXX XXXX ) thus not picking up my credit card activity. I contacted TransUnion about the name they are using for my credit score and report and they said their system is not picking up my full name - XXXX XXXX XXXX. My first name XXXX XXXX is not recognized in the system due to the space. It is picking up as XXXX or XXXX. I requested them to use XXXX instead of XXXX. I filed their online dispute form with the same request without any further changes/improvement. I contacted my bank to make sure they are using correct names for this purpose. Transunion is still not reporting my credit card activity. 
This leaves me at false credit score which has resulted in many negative impact on my financial situation. 

Other credit reporting agencies, such as XXXX, are correctly reporting my credit history. I don't understand why transunion is unable to do the same.

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 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: CO

Complaint narrative:
They charge more than Colorado allowed fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jon Barry and Associates, Inc.
State: PA

Complaint narrative:
I have been receiving harassing phone calls from this agency. this agency trying to collect a debt I do not own. this agency contacted me by calling my phone and family member several times a day over the past weeks and sent me a letter dated XXXX XXXX. I am requesting this agency stop harassing me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/2018, our home was destroyed as the result of the Camp Fire in XXXX, CA. It's known as the worst disaster in history. We received a check from the insurance company that was 96 % of the payoff of the home. We promptly sent the check to SPS Servicing , Inc. ( our mortgage company ). We are working with a private attorney to sue the Insurance Agent ( not company ) for not changing our insurance from rental to primary. The mortgage company knew we were short. They received 96 % of the funds in XX/XX/2018, but refused to apply those funds towards my account as they wanted us to rebuild instead. We do not want to rebuild. Our lawyer finally got them to apply the funds to our account. They have put a negative mark on our credit. They also will not accept a short pay option to clear the last of the debt. Our lawyer is appealing the short pay denial. 

This was not our fault. SPS wants to foreclose on a house that no longer exists. 95 % of XXXX burned down that day. The town no longer has infrastructure. Our credit is now damaged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation