vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 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: MD

Complaint narrative:
I recently reached out to XXXX XXXX  mini of times indicating that this account was fraudulent I have also filed a police report a consumer protection bureau, And I have also filed a report with the federal trade commission ... ... under federal law because My identity and/or my Social Security number was used fraudulently under federal law XXXX must remove/ report This information to the creditors and remove this negative information off of my report under federal law Section 623 ( a ) ( 2 ).

Section 605B

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 2020-09-03 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I recently reached out to Barclays Bank mini of times indicating that this account was fraudulent I have also filed a police report a consumer protection bureau, And I have also filed a report with the federal trade commission ... ... under federal law because My identity and/or my Social Security number was used fraudulently under federal law Barclays must remove/ report This information to the creditors and remove this negative information off of my report under federal law Section 623 ( a ) ( 2 ).

Section 605B

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 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had automatic {$1600.00} withdrawals from my bank account for my Bank of America mortgage since inception. Bank of America unilaterally ( supposedly ) shut-off automatic withdrawals effective with the XX/XX/XXXX Mortgage billing statement. All prior statements clearly stated, Scheduled payments ( PayPlan/12 ) - Your next payment of {$1600.00} is posting on XXXX. The XX/XX/XXXX statement ( and all earlier statements XXXX had this note, but the XX/XX/XXXX statement did not. It only stated that I must pay my mortgage before XX/XX/XXXX. <copies attached>. Further, when I went online on XX/XX/XXXX to verify the automatic withdrawal, the online status indicated automatic withdrawals were not active. 

On XX/XX/XXXX I paid my invoice which was due on XX/XX/XXXX. Then Bank of America made an automatic withdrawal on XX/XX/XXXX. To make matters worse, the 2nd payment unlawfully withdrawn by Bank of America, was not applied 100 % to Principal.

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
XX/XX/2020, National Credit Ajusters LLC reported to the 3 credit reporting agencies that I owe a debt of {$1600.00}. I responded to the 3 credit reporting agencies online with a 609 dispute letter. 30 days later I received an email by XXXX  that National Credit Ajustersdebt will remain without validation of the debt AS I REQUESTED. I have yet to get any response from National Credit Ajusters LLC. I want to see the original contract with my signature on it or and validation proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lockhart, Morris & Montgomery Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt,  please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986,  s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice,  and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This week, I received a letter from Capital One dated XX/XX/XXXX informing me that my credit limit was being reduced " to better fit my card usage, '' meaning that I'm not using my card enough not spending enough money. Reducing my limit caused my credit score to drop immediately and without warning, a situation I would like to avoid during such uncertain financial times. 

I opened my Capital One account in XXXX and have never made a late payment. I pay my balance in full. As a loyal and conscientious customer for close to 20 years, I called today ( XX/XX/XXXX ) to request that my original limit be reinstated. XXXX, the customer service person I spoke to, was not authorized to make the adjustment and I requested to be forwarded to a supervisor, XXXX. She also was unable to reinstate my original limit. I realize that declining my request is within the legal rights of the company. I also realize that credit card companies value customers who make frequent charges and don't pay their balance in full, a lucrative combination. 

What I find unacceptable is that the company offers no further opportunity for any communication or arbitration on the matter. XXXX can escalate my complaint to " Tier  2, '' but she admitted that there is no chance that the escalation will result in any contact whatsoever from any representative of the company. She reluctantly and very politely conceded that no-one will ever call me back, respond to any written request, or consider any other circumstances. There is no reconsideration, appeal process, or opportunity to communicate further. There is not a single person I can speak to to address what I believe is unfair treatment, taking advantage of longstanding customers who are in need of financial security during this time of financial upheaval due to Covid. Capital One 's " mission to change banking for good by offering great products, services, and rewards to our customers '' is simply not true. A customer with a concern isn't permitted to even speak or write to a person in leadership willing to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quicken/Rocket mortgage kept changing Discount points from XXXX pts at 2.75 % to XXXX pts at 2.75 %, again to XXXX pts at 2.75 %, wait for it ... XXXX pts at 2.75 % .This clearly appears to be Predatory Lending Practices! This refinancing process started XXXX XXXX months ago too many delays. I submitted all documents very quickly. I had to withdraw from the process too many RED FLAGS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Ive reached out seven times to contact his employer in regards to this fraudulent account that was open and the federal law I have reported this to the XXXX Police Department to the Federal trade commission and the consumer financial protection Bureau under federal law they must remove this account and stop putting this negative account to my credit agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I made a purchase for {$260.00} on XX/XX/2020. It was completed XX/XX/2020 according to the vendor. He received payment and shipped the product. I placed another order for a different product, with a different vendor, and seen that my previous purchase made on XX/XX/2020 go from {$260.00} to {$290.00}. I called the vendor and he said it was not him. So I called BlueBird Prepaid Card by American Express and the rep said that it was the vendor. When I told him that I already called the vendor he then said that it was a 24 % pre-order fee from the vendor. when I questioned him again with the same facts he said that it was a error that American Express was trying to correct. So I asked him when would this problem be corrected and why wasn't I notified? He now stated it was the vendors ' fault, and he said he did not have anymore answers. I requested to speak to a supervisor. When they came on the phone they only ID them self as supervisor. I ask him or her the same question and they said it was the vendor request. When I repeated that the vendor did not request his they just refuse to answer why they took {$39.00} and they started acting like they could not hear me. So, without notice or warning American Express is taking 24 % on every purchase and is not giving when or why they have don't this and my purchases from to were cancelled for insufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
Medical bill was placed in collection on XXXX XXXX with Choice Recovery Inc. In the amount of {$500.00}. Both accounts has been paid in full and I was told would be removed from collection. 
Transaction IDXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account is/was breached due to someone that I do not know in another State. Because of this I have nit been able to access my funds in a normal fashion. I still do not not have my BofA prepaid card because the card was resent back to the State where the fraud was initiate d. This is stressed me out so bad that I can not sleep and I have began to drink alcohol more unfavorable than usual. Please help me to establish my account back by extending my resources back to me normally. I need to file a new claim with XXXX  .... And still have nit been able too. I either get hung up on after waiting an hour on the or the merchant teller never comes back on the line. I have no knowledge of any of the fraudulant charges.

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
lexis nexis reported to the three credit agencies that i had a bankruptcy in my name. i disputed this and they say its verified, but i go to the supposed court house that its with and they say two things. 1 they do not provide information to any third parties, 2. my name and social security and date of birth do not match any of their records. so how can they possibly be getting my information from the courts. they must maintain information through the original company for full socials and date of births.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: CA

Complaint narrative:
On Saturday, XX/XX/2020, we went to a US Bank branch ATM machine withdraw money. Due to ATM machine malfunction, it took our cards. I requested US Bank Branch manger to return the cards, he told me once the machine took our cards, they cards are no longer ours and the machine threads them right away ( which I found out later it is not true ). I then called customer service, district manager 's assistant and regional manager 's assistant of US Bank. They refused to do any investigation nor give back my cards even though there was no fault of my own that the ATM took my cards.

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-09-03 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: HW Holding, Inc
State: GA

Complaint narrative:
XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, in XXXX XXXX XXXX contacted me. I again questioned the validity of the information. XXXX XXXX sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. In XXXX I again emailed asking the company to provide accurate information. On both XX/XX/XXXX and XX/XX/XXXX XXXX XXXX sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. In the recorded call the XXXX XXXX agent agreeing the information is incorrect, I have the recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
On XX/XX/2020 I went to the official First Citizens website and saw a simple offer of open a new checking account and use the debit card 10 times within 90 days and then I was expecting to receive {$300.00} deposit. This bank has not paid me a XXXX. This has been deception and false advertising. The bank has not made good on their public offer!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03 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: GA

Complaint narrative:
XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, XXXX XXXX contacted me. I again questioned the validity of the information. XXXX XXXX sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. I agree contacted XXXX XXXX upon which they sent the exact same incomplete information. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. Recording of the agent agreeing the information is inaccurate

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