vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
There was Fraud on my Bank Checking account starting on XX/XX/2020 XXXX for a total of {$28000.00}. I found out about the Fraud on XX/XX/2020 and called customer service at Atlantic Union Bank to alert them about the Fraudulent activity on my checking account and to freeze my account to prevent more charges. The next morning XX/XX/2020 I met with XXXX at the XXXX Atlantic Union Bank about the Fraud. She confirmed that my account is locked and I filled out documents to start the refund process. She told me it should not be a problem getting a full refund on the fraud transactions. Also instructed me to get a police report in which I did with the XXXX Police Department. I met with officer XXXX XXXX and my case report # is XXXX the same day. 

XXXX sent me an email stating that the refund was refunded on XX/XX/2020 but only {$15000.00} was refunded. I replied to the email and stated that I hav n't received the rest of the refund of {$12000.00}. She replied that the fraud department said that those charges were not eligible for refund. Here is the email below. 


This is what I got from the Fraud investigator XXXX, The customer has been reimbursed for the check and the eligible ACH transactions. It is my understanding that several of the ACH items that were disputed were not eligible for credit, as they were reported outside of the timeframe. The customer will need to continue to work with law enforcement to recover additional funds. Please let me know if you have any additional questions. 

XXXX XXXX Senior Branch Manager XXXX # XXXX T : XXXX Ext. XXXX XXXX XXXX XXXX XXXX, VA XXXX Here is my timeline. I reported to XXXX XXXX as soon as I notice it was Fraud on my account. 

Timeline : XXXX - The Fraud started XXXX - The day I noticed the Fraud and reported it to the Atlantic Union Bank Customer service number that day. 
XXXX I met with you that morning to make sure my business account was locked to avoid any more fraud and start the refund process on the fraud items. 
__________ I have banked with Atlantic Union bank for years and I'm very disappointed that they are giving me a hard time refunding my money back and being on top of the refund communication.

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 2021-01-12 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: OR

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Target contacted my mother who has the same name as me. They threatened legal action and harassed her ... even though she advised them that she did not have a Target Credit card and owed them no money. They insisted that she did and told her they were going to sue her and threatened other legal action if she didnt make a payment. 
They did not confirm her identity and proceeded to disclose the amount of money owed them. This violated my privacy and caused a rift in my family as they were upset that I had foolishly gotten myself in debt. 
My debt counselors advised me not to have any verbal contact with my creditors through this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2020, CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK
State: MS

Complaint narrative:
I took over a loan with Hancock Whitney Bank back in XXXX that my father had and he passed away in XXXX. 
XXXX XXXX from Florida office is the financial banker or officer for their business loans. The year I took the loan over after I had been running the business for 8 years for my dad, we went through and changed the loan in my name a few months after his death. We done a appraisal which was almost XXXX dollars that I paid for and she told me the loan would be redone in a year but I would not have to pay for a new appraisal. When XXXX came time to redo the loan for 3 years I had to pay another almost XXXX for a new appraisal that was exactly the same appraisal done in XXXX. Also in XXXX we done title apps on the mobile homes which the bank had only XXXX on the loan. I asked her and she said the extra ones were in case they messed up a title app that I wouldn't have to come to XXXX to sign another one. That was not true they tried to include all 26 mobile homes on the loan for collateral. I called her and she said they did have all the trailers on the loan and I said no its only 17 Trailers. She called me back and said I was right it was only 17. She never sent the title apps so I could get the trailers in my name with them as lienholder on the 17 trailers nor the extra 9 that they tried to add. I been having trouble getting power cut on and have not been able to get the power on them to rent them. They was suppose to have fixed this and did not. I hired a law firm XXXX and XXXX in XXXX Mississippi and it was agreed that hancock whitney bank would correct everything but I was to sign paperwork Stating I would not pursue hancock whitney on anything but that was agreed that hancock whitney would correct everything. They have not corrected it and I paid the loan off with hancock whitney and refinanced with another bank. I paid them off the XXXX of XXXX and the new bank has not received the release showing hancock whitney has no lien and thats been almost 2 months. Hancock whitney has not only made it to where I cant get power on at my trailers to rent them they have lied and been very unprofessional with there banking practices with me. I paid them off and want my titles and the release.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I had 2 bills from hospital which was listed on my credit bureau of {$280.00} and {$830.00} but sequoia finance has keep adding interest raise the bill to {$380.00} and {$1100.00} and listed on my XXXX credit Breaue which is wrong. I have not knowingly paid {$400.00} for the first bill settlement I need them to correct the bills amount and to refund the money that I paid them more than I owe.and even they had hard inquiry on my credit report without my authorization when I call Sequioa fianc why would you made my hard inquiry on my credit report then they said they have a right to do and I told them that the conversation is been recorded and I will report this then he said he will remove hard inquiry.this is act of fraudulent trying to take more money then I owe some one has to take action on it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: OneMain Finance Corporation
State: OR

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2019, ONEMAIN add a hard inquiry on my credit report. 
On XXXX. XXXX, 2019, XXXX XXXX - XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I WAS GIVEN A NEW CAR LOAN BASED ON AN INTERNAL CREDIT SCORE USED BY THE COMPANY SANTANDER. NO INCOME WAS VERIFIED N. I ONLY FILLED OUT AN APPLICATION AND PUT DOWN XXXX DOLLARS. T I AM SELF EMPLOYED. IDINT PROVIDE BANK STATEMENTS OR TAXRETURNS NOTHING I WAS EVEN ABLE TO WALK OFF THE LOT WITHOUT PROVIDING MY SOCIAL SECURITY CARD. WHICH I WAS TOLD TO FAX IN THE NEXT DAY. I WAS NOT AWARE OF THEM USING THEIR OWN INTERNAL SCREDIT SCORE.WITHING THE FIRST 45 DAYS I STRUGLED TO MAKE PAYMENTS 2 YEARS LATER AFTER BEING IN DEFAULT MY VEHICAL WAS REPOSSED. THERE IS A MULTI STATE LITIGATION AND SETTLEMENT IN WHICH I FELL INTO THE GUIDELINE OF THE THE SETTLEMENT WHICH MEANS I SHOULD HAVE BEEN ABLE TO KEEP MY CAR AND SENT THE TITLE OR HAVE THE LOAN FORGIVEN AFTER REPOSSESION. NEITHER WAS GIVEN. I HAVE CONTACTED SANTANDAR CONSUMER REGARDDING THESE LIES. THE EVEN FALSIFIED PAYENTS IN MY PAYMENT HISTORY THAT MAKES IT LOOK LIKE I MADE PAYMENTS AFTER I MADE THE LAST PAYMENT. THIS LOAN FALLS WITHING THE TIMEFRAME OF THE SETTLEMENT I ALSO HAVE BANK STATEMENT THAT SHOWS MY PAYMENT HISTORY TO SANTANDER AND HOW IT DOESNT MATCH THE RECORDS OF THE TRANSACTION HISTORY THEY FALSIFIED ALSO INMY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: CA

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX XXXX ( original debtor ) XXXX XXXX XXXX XXXX XXXX to ask why they sold a collection agency my information. They confirmed with me that the account at one point did go to collection due to an unreturned water cooler. They confirmed that the both the water cooler was rec ' and remaining balance was paid. The representative at XXXX waters said they would reach out to Credit bureaus of America and have them remove it. On XX/XX/XXXX XXXX confirmed that the information was sent to remove the collection account. On this same day I called CBA and spoke to XXXX XXXX. She advised that she will call and confirm the if that is true with XXXX XXXX. On XX/XX/XXXX I called and followed up with her she advised that the reason she had not called me back was due to XXXX XXXX not responding to her request to validate the debt owed. This was the last time I spoked to XXXX XXXX and as of today the collection account has not been removed. I have left numerous amounts of messages in the last 10 months for XXXX XXXX and she refuses to take my call or return them. Per CFPB guidelines if a dispute is submitted and they do not respond within 30 days, the debt is required to be removed. Collection Bureaus of America is not following those guidelines. I attempted to call them again today, spoke to a very rude and threatening man by the name of XXXX, he attempted to transfer me to XXXX XXXX and XXXX ( Lindas supervisor ) and as always, they are never available. I asked him to look into the matter and review the notes as I have been verbally and electronically disputing this account. Instead of helping me XXXX decided to hang up on me in the middle of my sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hollis Cobb Associates
State: FL

Complaint narrative:
I received a statement dated XX/XX/XXXX from a debt collector Patient Accounts Bureau trying to collect a payment for an alleged service my son XXXX XXXX received on XX/XX/XXXX. I thought this was odd since this was a month after my son was born and I had not received any bills prior to this one. I called the number on the statement that says " speak to live agent XXXX '' on XX/XX/XXXX. A man answered the phone and asked how he could help. I told him about the statement and how i had not received any others prior to this one and wanted more information. He then said " for your son XXXX ''. I then said how did you know my sons name if I did not give you any of my information ''. He said " I will need your address and more information to verify your account. I told him I was not giving him any information until he told me how he knew my sons name. He said " Ma'am you do not want to be helped so you will need to call back when you are ready. '' He then hung up on me. I am concerned that my sons information has been stolen. I received a letter a month ago that one of my sons health providers had been hacked and it advised me to be careful with fraudulent bills and debt collectors. I will attach the statement to this complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate accounts that are affecting my credit report.

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 2021-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
I have no knowledge of this account and have reached out to the company for the burden of proof to be sent to me please remove this account it is a result of fraudulent activity and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XXXX i looked at my statements and saw on XXXX and XXXX i had XXXX $ missing. looking them over i go from a available balance of XXXX $ down to XXXX $ on a XXXX $ atm withdraw. on XXXX i go from XXXX $ down to XXXX $ i called the bank and they had no answer for how im missing $ i filed a claim but had my account closed witch i found weird because i had done this once before and didn't have it closed i told them I'm verified with XXXX already but they will not open or return my XXXX if u look at the available balance and add u can see $ is gone that i did NOT authorize

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 2021-01-12 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
XX/XX/2014 Balance - {$9100.00} Santander Consumer USA has charge offs on my credit that do not belong to me because of litigation and settled from 34 US Attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate accounts that are affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of Identity. An individual opened a credit card account with Discover card using my name and social security number on XXXX of 2020. 

I filed an Identity Theft Report ( Report Number XXXX on XX/XX/2020 ) with the Federal Trade Commission. 

I have sent various letters to Discover Card XXXX XXXX, XX/XX/2020, XX/XX/2020 XXXX and have made various calls XXXX XX/XX/2020, XX/XX/2020, XX/XX/2020 ) In the above communications I have asked Discover for copies of the fraudulent application submitted by thief and various documents and records maintained by them at various times. To date they have refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian Credit Bureau reporting 3 late payments on my credit report. Reporting inaccurate information. I disputed the inaccurate information send in the correct information and there still reporting 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
Consumer complaint received 2021-01-12 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/XXXX, TD RETAIL CARD SERVICE add a hard inquiry on my credit report. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I've been having problems with over draft fees and account problems for over five years and have paid off the fees no problem with fraud issues throughout that time. in beginning of XX/XX/2020 with the coronavirus pandemic. I opened up a credit card to protect my id and towards the end of XXXX I closed it down. I asked Bank of America how can I cancel my card. I went into a branch office to close this account and spoke to a consultant they said pay off the balance and close the account, so I did. anyways XXXX or XXXX of 2020 I got an email from this account saying i am delinquent in my payments so i called the fraud department at bank of america to talk to them about my credit card account and explained it to them for 2 and a half hours on the phone to talk about my issues. the fraud department said they would look into it and call me back or send me a text message regarding the problems with my credit card account i closed in XXXX. in XXXX or XXXX of 2020 I got an email telling me that they sent me to collections. well my dad sold his house. i was trying to rent a house/apartment. i passed the background check and also had the income to rent the property. So I was denied credit. meanwhile I live with my dad and my XXXX children. so with my bad credit I was denied housing. so now I have to file a identity theft complaint and credit card theft so i can get my good name back. this problem needs to be solved. thank you. XXXX XXXX

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 2021-01-12 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: SC

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation