vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XXXX I received an email from venmo about my account triggering some security alerts. They temporarily restricted the account for the day and no other email was sent about why it was being restricted. Then on the XXXX I get email stating I need to update this and that which I had just received a new card at the start of the month which makes no sense all my stuff was already updated but then they send me emails stating I'm signing in with a new device which I've had this device for over 6 months. Now they want to tell me with no explanation that my account is suspended and have to wait over a week to here from them via email by an account specialist. I have two direct deposits I can't touch and {$400.00} in the account and no one wants to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I've asked Ally 3 times now at this point to remove a dispute that I had on my account reporting on XXXX. My loan officer told me this would impact my ability to qualify for a mortgage if I keep the dispute on. Despite the multiple attempts calling Ally and speaking with 3 different supervisors who refused to give me a direct line, they are directly impacting my ability to buy my first home since they didn't do their jobs. I'm not sure what else to do and I don't understand why they're not removing my dispute. They keep telling me they have to submit a back office request that just sits in this queue waiting to be assigned to a representative. These calls occurred on XX/XX/21, XX/XX/21, and XX/XX/21.

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 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Companies switched companies and gave a stolen Id debt to the new company. the bureau validated " A debt '' without the consumer, which is me. Im particularly writing because of the Federal laws broken that i added to this file. this company is in violation of many laws and i am pursuing further actions because of so. As the consumer, i never gave written consent to post anything about me on my consumer report. which by law is considered theft 15Usc 1681 b - permissable purpose.

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 2021-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I have a mortgage with Mr. Cooper, formerly nation star. On XX/XX/2021 i made a partial payment on their phone app for {$680.00}. This was selected as a partial payment for XXXX. They applied it as additional principle because it was 2 days early even though it didn't come out of my account until XX/XX/2021. I made the additional partial payment of {$680.00} on XXXX XXXX, 2021. I found out XXXX XXXX 2021 that this happened and had them correct it. In the process of having them fix this, I received a letter for a va streamlined modification dated XXXX XXXX reducing my payment to {$1100.00} for XXXX. Through XXXX. They fixed my XXXX payment and I made my full XXXX Payment, XX/XX/2021 within the allotted time, of {$1300.00}. On XXXX. XXXX 2021, I went to make my streamlined va modification payment on their app. Of {$1100.00}. I received a notification from my bank the next business day that my account was severely over withdrawn. Mr. Cooper not only had the pending amount of {$1100.00} that i authorized but also another unauthorized amount of {$1300.00}. I contacted Mr. Cooper that day XXXX. XXXX 2021, they told me they could only refund me and not stop the 2nd payment. I called my bank and put a stop payment on the unauthorized amount of {$1300.00} costing me a {$35.00} fee but preventing many other overdraft fees. I've contacted Mr. Cooper several times since then. They're saying I owe an additional {$200.00} for XXXX 's payment and a {$30.00} fee for stopping the unauthorized payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a new American Express XXXX XXXX card and paid a {$550.00} annual fee on XXXX XX/XX/2021. I was unhappy with the card and closed the account on XXXX XX/XX/2021. I spoke with an associate on XXXX XX/XX/2021 and closed the account and also requested a pro rata refund of the {$550.00} annual fee. American Express now refuses to refund to me the unused annual fee. I feel it is unfair for American Express to keep the entire annual fee because I was only using the account for less than 7 months. I feel that it is wrong to retain unearned customer fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
For at least two years the Bank of America has been unable to apply my overdraft protection and so I am constantly being charged a {$35.00} overdraft fee which is itself obscenely high! 

XXXX XXXX and XXXX have XXXX XXXX but the Bank of America is so incompetent it can not prevent this problem. 

It has lots of incompetent personnel as otherwise this would not be a problem that has last at least two years!

The Bank of America should be called the Bank of Incompetency!

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 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a Capital One Journey Credit card in 2013. I went over the credit limit available on the card. Capital One took it upon themselves to take adverse action against me by closing my account without my permission, and properly notifying me which has not been clearly disclosed to me that if I go over my credit limit the account will close without needing my permission. Capital One also furnished negative information to Consumer Reporting Agencies ( XXXX, XXXX and XXXX ) harming me and damaging my reputation. I Disagree with the information Capital One Furnished to the CRA 's. Capital One did not inform me properly of the use of credit nor did i give written permission to Capital One to Furnish any information about me to the Consumer Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have requested three times for Resurgent Capital Services to provide proof that I opened this account with XXXX XXXX, XXXX XXXX and include my signature, indicating that I did open this account. Three times, I have not received proof that I opened this debt, nor have they removed it from my credit. The last communication was sent via certified mail on XX/XX/XXXX with a cease and desist with a request to provide proof that I opened this account. I just received a letter with a copy of a statement, no signature, and the account has not been removed from my credit. According to the FCRA, I have the right to a fair reporting on my credit report. I did not open XXXX XXXX Account Number XXXX and Resurgent Capital has yet to provide me a copy of agreement that I signed to open this account, because I did not open this account. 

I am requesting proof that I opened this account, which I did not, or I am requesting that the item be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors
State: WA

Complaint narrative:
I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider ( this can be seen in the XXXX attached ). This left me with a responsibility of {$250.00} to be paid to the provider. I use an HSA through connect your care powered by XXXX. I have paid many medical bills through this process over the past 5 years with no issues until this one. Also attached below is the proof of payment of the {$250.00} owed paid via my HSA account. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report ( attached as well ) for the exact amount that I have confirmation/proof of payment. I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution. 

Reponses received on XXXX : In your complaint, you listed that you paid XXXX XXXX XXXX, we do not collect for that entity. This bill is from XXXX XXXX XXXX, located in XXXX XXXX XXXX, California. The proof of payment you provided shows you paid XXXX XXXX XXXX XXXX XXXX, which is not XXXX XXXX XXXX. My client and myself have researched your claim of payment and they do not have a record of such a payment. Please forward a copy, front and back, of the check that you issued to see who cashed it. This will aide in locating the payment. Currently your account is on a hold status for the next 30 day. If we do not here from you within the next 30 days this account will resume normal collection activities. 

I did not receive care from XXXX XXXX XXXX. I will provide the attachments again mentioned above to show the exact same amount that was issued by XXXX XXXX XXXX ( the place I received care ), that was then promptly paid. I have still recieved no notice of debts owed or unpaid bill/debt from National Business Factor OR XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase fraud impersonator called from a chase phone number and told me I had a {$260.00} charge in TX that was suspicious, did I authorize it? No I said. He said well this {$2000.00} charge did you authorize that? We will have to refund it on chase 's app zelle. 
I called the police and Chase. XXXX said Chase is the one to call. Chase said call the cops ( Which we did ) and said they aren't paying. 

Chase makes the apps to drain your account using your phone number to do so. Without a pin required! 

They cant leave doors open to your account and then claim its not their problem when a client ( over 10 years ) gets robbed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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 HONDA FINANCE CORP
State: NJ

Complaint narrative:
I am writing to the dispute the negative information/activity reported to the Credit Bureaus dated XX/XX/XXXX. This action resulted from mismanagement of my financial paperwork by Honda Financial Services. The situation all started when I called Honda in XXXX, XXXX to update the bank account information where the installment payment is being taken out each month. I requested to remove XXXX XXXX  and replace it with my new bank account at XXXX XXXX. I was told that I can schedule onetime payment over the phone till Honda send me documents to fill out and return back in order to update the bank information to XXXX for future installment payments. During this call, I schedule a payment of {$370.00} which was taken out of my new account at XXXX on XX/XX/XXXX. In the meantime, I received the document from Honda, which I had completed, signed, and returned back on XX/XX/XXXX. On XX/XX/XXXX, the bank holding our car loan called me because the amount for the month of XXXX was not paid in addition to XXXX. When I told the bank about the issue, they were able to locate my new account information at XXXX XXXX  and processed the payments for these two months over the phone. I then found alerts from the Credit Bureaus indicating a negative alert posted by Honda on my credit and my husbands who is also a signer on the car loan. I called Honda on XXXX XX/XX/XXXX to question the action and I found out that the document which I signed and received by Honda on XX/XX/XXXX was not uploaded into my file till XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I requested a credit line increase with Barclay US and they pulled my credit again. I was not notified that they were going to use a hard inquiry on my 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 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had filed a complaint against Wells Fargo Bank this is the complaint number XXXX. 
In addition, to me waiting on Wells Fargo to send the documents requested by the beneficiary bank which Wells Fargo prepared these documents, had me to go into a branch and sign the documents and I was told by a Wells Fargo Employee that they were not sending the documents and that I would have to file a police report. And that the beneficiary bank did not need these documents to send me my money back. 

Wells Fargo submitted a letter in response to the above complaint which was clearly false. On XX/XX/2021 they never submitted the documents for the Fraud and Claims Operations Analyst to sign them ( his name is XXXX XXXX ) . And the documents were never submitted to the beneficiary Bank ( XXXX ). I am told by XXXX XXXX and XXXX XXXX that these documents are all they need to reimburse me my money. 

Wells Fargo is deliberately not sending the documents and falsifying documents stating that they have.

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 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SinglePoint GI
State: NV

Complaint narrative:
General Revenue is the company. My bankruptcy was back in 2010. Since then I get constant calls and mail saying " we're not attempting to collect a debt this is for information purposes only. '' yet they continue although I've asked them many times to stop and returned their mail. The company has changed hands several times but it never changes. They've called me 20 times since XXXX. I've called and asked them to stop bothering me but they do not. They've even sent registered mail- which I decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX XXXX XXXX, a consumer, demanded XXXX and Equifax to remove accounts off of my credit report. I have sent over four dispute letters, and one of them is an affidavit. The first dispute letter to remove the accounts described in the letter was on XX/XX/2021, the second dispute letter was sent on XX/XX/2021, the third dispute letter was sent on XX/XX/2021. Lastly, the fourth dispute letter which was an affidavit of truth, was sent on XX/XX/2021. 

XXXX and Equifax continue to violate my consumer rights due to their negligence and failure to comply. Both, XXXX and Equifax, violated my consumer rights under 15 U.S.C. Sec. 1681i ( a ), must complete the reinvestigation within 30 days of receipt of the dispute letters. As well as, pursuant to 15 U.S. Code Sec. 1681 ( b ) XXXX and Equifax does not have permission to report these accounts on my behalf. For violation I am entitled and seeking a total of {$2000.00} from each company. I have also sent and attached an invoice of {$2000.00} along with the affidavit of truth dispute letter as a result in damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
after discovering the fraudulent account in my credit report I immediately tried to get the account closed and dissolved. I made a deal with the creditor to pay the small balance off and get the account in good standing and I would keep the account to build credit, the creditor agreed to remove all negative remarks on the account being that the account intially was opened fraudulently. here it is five years later the account although current and never later since I took over the account but its still being reported negatively, I've made multiple disputes trying to get the account reported correctly without any success I need help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I've asked XXXX 3 times now at this point to remove a dispute that I had on my account reporting on Equifax. My loan officer told me this would impact my ability to qualify for a mortgage if I keep the dispute on. Despite the multiple attempts calling XXXX and speaking with 3 different supervisors who refused to give me a direct line, they are directly impacting my ability to buy my first home since they didn't do their jobs. I'm not sure what else to do and I don't understand why they're not removing my dispute. They keep telling me they have to submit a back office request that just sits in this queue waiting to be assigned to a representative. These calls occurred on XX/XX/21, XX/XX/21, and XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax i provided you a idenity police report from XXXX Police Department and a case number ( card ) attached for the Detective who is handling this Idenity Theft Case. By law you were to investigate and remove these accounts within 72 hours. I have contacted the FTC to step in and assist if no results. I filed a Ftc report # see attached. I live in XXXX, Al someone has been using my information in XXXX XXXX Nevada. And obtain auto loans, housing, loan in my name please remove these items immediately from my credit file. According to Section 609 these accounts have not been confirmed or validated as mine im asking immediately removal. 
XXXX XXXX XXXX XXXX XXXX XXXX New Mexico ( never been to XXXX ) XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I do not have electricity or gas bill in collection. This is not me. I was never informed of such action before you deemed I was responsible and added to my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/2021, I called Transunion to get my credit score and to view my report after being turned down for a refinance of my mortgage after setting up online account. I was told on both calls that u must pay {$.00} to see my credit score and if I wanted my report I must sign up for a {$24.00} a month membership. Once again, I told the customer service representative that I am entitled to my score and report after being turned down for credit and the other reporting agencies do not require this, I was quickly told Transunion requires the money. There should be no fee to see or get your credit score or 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 2021-11-03 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Ive been current on all my payments to Target and it is being listed as late for two months ( XXXX and XXXX ) and that is incorrect.

Company response to consumer: Closed with explanation