vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX  - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: SC

Complaint narrative:
On XX/XX/2019, I was called from an autodialer from Collection Bureau of America. The call told me to press one if I was XXXX XXXX. Then told me to wait for the next representative. A representative named XXXX picked up the phone after I waited it to connect me to someone. She informed me that she was with Collection Bureau of America and did not verify any information with the exception of my name, which she had as XXXX XXXX, not XXXX XXXX. She then told me my addresses ( previous and current ). It could have been anyone on the line that she was talking to since she didn't ask me any personal identifiable information. She did not ask for any information from me. I asked what it was regarding and she told me it was regarding a storage bill but she could not tell me the company. Then, she said it was in XXXX, but then said it was in XXXX. She told me I could look it up. I told her there are tons of storage companies in XXXX! I told her I was worried about them reporting to the consumer reporting agencies and she said that it could be reported in 30 or 45 days. I informed her that they had not even sent me any validation and they have not given me the right to dispute the debt. I ended up informing her about that her company violated the Telephone Consumer Protection Act ( TCPA ) and asked to talk to a supervisor because the TCPA violation could cost them a fine of {$500.00} per call. She argued with me stating that she called me and the call was not autodialed, which was a lie. I asked her if the call was manual dialed, why did I have to push 1 to confirm I was the person and then wait " for the next representative. '' XXXX, then, hung up on me. 

I called back, a woman picked up the phone and hung up on me again. Then I called again. The next representative did not want to transfer me to a manager. She ended up transferring me to a manager named XXXX. She told me the company that sent the debt to them was XXXX XXXX XXXX but she had no documentation. She would not give me their phone number either. I told her about her companies violation of the TCPA and that she should speak with her compliance department. I have worked in the compliance department of a third-party debt collection company and in the legal department of an automobile originator and dealt with many issues regarding violations such as TCPA, FDCPA and UDAAP. I know my rights, and my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
No contract. XXXX charged an early termination fee olus late charges when there was NO CONTRACT

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 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Hello today I tried to get a checking account in my name at a bank but all the sudden IAM not approved I never had a bank account in my name I all ways had prepaid cards ..so I think the XXXX XXXX XXXX is XXXX me over with false 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 2019-03-19 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: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
To whom this may concern, On XX/XX/2018 - XX/XX/2018 I visited the NY area to celebrate XXXX with family and friends. On this trip I accumulated toll fees through an auto-mated system that sends bill to address associated with your TAG number. I was very unfamiliar with this new system this being the 1st time I had to use it as Im from North Carolina and we don't have tolls. A couple days after I being searching for their tolls by mail system with no success and could not locate my information in the system, I had not received any notices or correspondence until this day on XX/XX/2018 with my current address and fees and totals in excess of {$750.00}. The original fee 's are displaying under {$60.00} and they are demanding that I pay more than 10x 's the original amount. I called XXXX and XXXX picked up the phone agent IDXXXX and he explained he could not give his last name and could not give me any type of leniency regardless of my situation, I then requested to speak with a supervisor and the phone was disconnect on XXXX 's end. I then called back and spoke with a XXXX Agent IDXXXX, I explained to her that I was in the process of speaking with a supervisor and she informed me that one was not available to speak with me and that someone would call me back. No call back was given and to my belief this company is associated with unconstitutional parcties and prey on customers to make money. I never agreed to any of the following fee 's and I'm now being held accountable for fees totaling just under {$1000.00} which again is 10x 's the original amount. XXXX informed me that my Credit will be hit with a derogatory mark and collections are in progress and not I'm receiving constant notices in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally home loans bait and switched my mortgage application. 

When I applied for pre-approval the loan officer 'locked me in ' at 3.99 % for my mortgage. 

After I paid the {$550.00} appraisal, and was weeks into the contract with the buyer, they discover that I don't qualify for the Jumbo loan due to credit depth, and switched my rate to a new loan at 4.375 %. They had accurate information before at the time I applied for the pre-approval, but waited until I was desperate to close to switch the rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: AL

Complaint narrative:
I have called XXXX XXXX  on multiple occasions and they are always telling me that they cant pull up any information about a account for me..This account was fully settled but reports getting screwed around by everyone who was involved with this account.It seems that none of the credit bureaus are doing a proper investigation on this account because every time I call XXXX XXXX  they cant even pull up an account for me.My disputes are always coming back as VERIFIED but by whom because all I get from XXXX XXXX  is I cant pull up the account. Somebody somewhere is not doing their JOB correctly and I have had enough of the XXXX.. THIS IS AN ACCOUNT THAT I PUT UP MY OWN MONEY TO OPEN AND MY CREDIT REPORT IS BEING RUINED BECAUSE EVERYONE INVOLVED SEEMS TO JUST DONT CARE..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I withdrew {$80.00} from an ATM which should've resulted in one overdraft fee instead they reordered the already pending transactions and hit me with FIVE overdrafts for purchases where the money was already out of the account but hadn't officially " posted. '' This is a common practice that every other bank has gotten in trouble for but this one is still doing it. This is the second time its happened to me with BBVA, the first time they refunded the fees after I filed a complaint but this time they refuse and told the CFPB it has been resolved with monetary relief. There was no monetary relief. They stole {$120.00} from me which is all I had for groceries. I'm in a horrible position thanks to BBVA COMPASS bank and their greed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
Do to Financial problems health problems we fell behind in our mortgage we were advised to apply for a mortgage modification that would be helpful in our time of need .We Applied in XXXX and have got the run around ever since then it seems is though the lender is doing every thing to discourage us from even getting to a point of rendering a decision my husband who is XXXX and myself a small XXXX XXXXXXXX XXXX have paid our bills religiously and have now fell on some hard times.we really need to ave this done we are falling further and further behind the lender is threatening foreclosure rather than assist us to modify the our property.Each time we send what is requested we are told we have to wait to verify receipt days later if it has been verified we have to call continuously with no return calls to us it is very disrespectful and callous

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 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
fraudulent check under our my name deposited @ XXXX bank and fund was drawn from my suntrust account. 
checks XXXX for XXXX blank check XXXX for XXXX XXXX for XXXX XXXX for XXXX These transaction hit my account on XX/XX/2019. aware of it on XX/XX/2019 and file a complain with Suntrust bank. case # XXXX was told by fraudulent dep. that will take 15 days to investigate.now passed that we tried many times to get response but calls goes to their support center in XXXX hard time understanding.

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 2019-03-19 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I opened a credit card in XX/XX/XXXX, and closed the account in XX/XX/XXXX. Prior to closing the card there was an annual fee that billed to the account and due to not receiving my statements the account went 30 days past due on XX/XX/XXXX and 60 days past due on XX/XX/XXXX. 
I don't have the account number any longer but the number showing on my credit report excluding the last 4 is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 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: U.S. BANCORP
State: CA

Complaint narrative:
I filed and discharged BK chapter XXXX on XX/XX/10/18 case number XXXX including US Bank credit cards. However, US Bank never report these accounts in my credit report as discharged accounts. Can you help me to correct US Bank creidt card company to report these account below on my credit report.

1 ) US Bank Person loan {$10000.00} 2 ) US Bank Credit card {$5500.00} 3 ) US Bank credit card {$7600.00} 4 ) US Bank credit card {$5400.00} Thanks.

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 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I opened an HSBC Choice Checking account in XX/XX/2018. According to the terms for the account, HSBC is required to pay me a welcome bonus of {$200.00} after I keep a minimum balance of {$1500.00} for 90 days starting within 30 from account opening. Even though I did meet this criterion, HSBC has not credited my account with the welcome bonus. 

Upon inquiry, I was told ( via chat ) that I do not qualify for the bonus due to having had a " banking relationship '' with HSBC during the year before the checking account was opened. 

However, according to the terms for the account, only a prior " HSBC consumer deposit or investment account '' would disqualify me. I have never had such an account before the one on question. If HSBC claims that I had a prior " banking relationship '' with HSBC, this can only refer to my HSBC credit card, which I do indeed have. But a credit card is not a consumer deposit or investment account. 

I tried repeatedly to get HSBC to substantiate its claims that I had a disqualifying consumer deposit or investment account. They never did. My last inquiry via XXXX was never answered, and the last time I tried to get a chat representative to resolve this, he " hung up '' on me. 

I am attaching screenshots of the only two responses that I did receive via XXXX. The most recent response promises a follow-up with specifics on the disqualifying account, but the follow-up never came.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I wanted to pay off my line of credit in full I called Citizens Bank ask them what the payoff amount was they sent me a email and letter stating it was a certain amount up until XX/XX/XXXX I paid off the loan in full XX/XX/XXXX I have a cancelled check saying it was paid off on the XXXX when I was at my branch in XXXX I told them to cancel the auto-pay on the interest of the loan they told me I did not have to since the loan was paid in full well on XX/XX/XXXX they took out a {$510.00} interest only payment out of my account since then I've been fighting with them to give me my money back and so far I have not been able to

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Hi, Two weeks ago, I reported an account that does not belong to me to Chase, and the FTC identitytheft.gov report for the amount of about {$2400.00} dollars. This account is fraudulent, and Chase has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
CREDIT MANAGEMENT LP is making a false claim that XXXX XXXX Equipment was never returned. In fact it was returned directly to XXXX XXXX and XXXX XXXX has now allowed us back. This was explained to Credit Management LP and they still refuse to remove the debt from my credit report. They were also given a cease and desist letter that they also refused to acknowledge. I want this removed from my credit report because it is false.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
I have been contacted by a company named XXXX XXXX XXXX XXXX, XXXX who alleges that they are representing ACE cash express in an attempt to collect a debt from XXXX. I have explained to the company, XXXX, that I am unaware of this debt and that its been 16 years ago. I have not received proper documentation verifying the debt as they indicate that I obtained a payday loan in XXXX. I have asked for the documentation and have not received this. I have contacted ACE and they indicated that I have a XXXX balance and any debt was charged off and sold to company XXXX in XXXX. XXXX was contacted on XX/XX/XXXX and they indicated that they do not contact individuals in this threatening manner and that they no longer have the account as it was sold again to a company XXXX XXXX  who when canted had no information on the account. 

The company XXXX has contacted 4-5 different relatives and friends threatening to sue me and them for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received a statement from Bank of America on prior to XX/XX/2019 showing i owed {$630.00}. I knew that was an incorrect amount as I made a {$350.00} payment on XX/XX/2019 which was more than the normal {$310.00} payment amount. I called bank of America and was told I owed {$310.00}. Since I knew I was going to be late with my XXXX payment, I added the {$310.00} plus the late payment plus a few extra cents to make an even dollar amount making the check i am paying to be {$340.00}. On XX/XX/2019 I received a statement saying my payment due has a {$380.00} late fee.I called bank of America and got XXXX who couldn't explain but would send me a listing of my payments. On XXXX XXXX I went to one of bank of America branches where it was explained that when I physically come in and make my payment, IF I don't verbally state i want {$310.00} on my payment, {$20.00} on the late fee and the remainingXXXX cents on the principle, the teller applies it all to the payment. According to bank of America I have accrued {$150.00} in late fees because of their teller error and even if they might waive some of these late fees due to teller error, they are reporting my account {$1.00} late to the credit bureau. This is a scam that bank of America is doing to it's customers and I'm sure I'm not their only victim

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 2019-03-19 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: DISCOVER BANK
State: NM

Complaint narrative:
Two weeks ago, I reported an account that does not belong to me to Discover, and the FTC identitytheft.gov report for the amount of about {$3900.00} dollars. This account is fraudulent, and Discover has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
XXXX. Letter sent to XXXX  disputing the negative listing of alleged collection account # XXXX being reported in my credit file, dated XXXX, XXXX. ( Attached ) XXXX. Letter sent certified mail w/return receipt to collection agency Plusfour , Inc. requesting proof of the alleged debt. LETTER WAS REFUSED. ( Attached ) XX/XX/XXXX. Received letter from XXXX verifying the alleged item as accurate. ( Attached ) XXXX. Letter sent to XXXX   requesting Method of Verification. ( Attached ) XXXX. Letter sent XXXX XXXX " Signature Required '' w/Notarized Certificate to collection agency PlusFour, Inc. RECEIVER REFUSED DELIVERY, 3 attempts. ( Attached )

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