vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
Missing IRS state tax refund direct deposit savings. 

I filed my XXXX and XXXX electronically with the IRS. 
I am missing a state tax payment for my XXXX payment in the amount of XXXX. This amount was supposed to be deposited in my savings account it never arrived. I called BOA but did not receive the funds.

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 2019-06-18 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: CA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am not sure why this letter came because I was never late on this account by 30 days. This seems like a rather harsh letter that BBVA Compass sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX 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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I received a credit alert on my credit report from XXXX XXXX XXXX for an amount of {$1500.00}. They are acting on behalf of XXXX XXXX XXXX. This item is not correct. I used a service at a local care called crimson care over a year ago and was working for a company called XXXX XXXX which I had a XXXX XXXX XXXX XXXX plan from the company at the time of the service. My Health Card was verified at the time services was rendered and confirmed. I paid for the out of pocket at the hospital for the remaining cost at XXXX XXXX. All of a sudden, I got a report on my credit profile of Account collection. I never had a direct dealings with XXXX XXXX XXXX. I consulted my local provider which is XXXX XXXX XXXX Alabama and presented my Health Insurance which was sponsored by my then company I used to work for. I tried to reach out to the company XXXX XXXX Alabama USA and was told company stopped operations in Alabama.This is unfair report.Also tried to dispute this with Experian with a report # 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 non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld Systems or TSI called me and called my elderly parents to collect a medical debt that I do not owe and that is not reported on my credit report. Their representative stated I owe more than {$500.00} to XXXX XXXX XXXX XXXX. I explained that I did not owe this debt for the following reasons. 

About two years ago I was a passenger in a XXXX yellow cab. The cab was struck by another car. As a result, I received treatment at the hospital in XXXX XXXX, which is now a part of XXXX XXXX. I explained to the Transworld caller that if the alleged debt arose from this incident, it was not a debt that I owed. The hospital was authorized to collect payment for my treatment from the insurance companies involved in the car accident and did so. 

I do not know how this debt collector received my information about this debt as to my knowledge does it does not appear on my credit report. More importantly, they called my parents at their home even though I have never shared their phone number with them or XXXX XXXX XXXX Services, or the hospital. My dad is in his eighties. It is abusive for them to call my family to attempt to collect a debt, especially a debt that I do not owe. 

I also do not understand how they would lawfully disclose medical debt information to a third party, even if that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: NV

Complaint narrative:
I opened a checking and money market with BBVA Compass in XX/XX/2019. I made several transfers from my existing bank in the process of transitioning to this new bank. On XX/XX/2019, BBVA closed my account, sent me a letter indicating that they would send me a cashiers check. This has not been received 2 weeks after freezing/closing my account. 

Or or about XX/XX/2019 I made a further transfer of {$9000.00} from XXXX via an ACH pull from BBVA, having transferred smaller amounts previously. This was intended to satisfy the minimum balance of XXXX for their money market account. Shortly thereafter, my online access was frozen and when I called, I was told first that my funds were being held until they cleared. When this was not resolved, over the weekend, I was told that my account had been closed for reasons that could not be disclosed. Last week I called BBVA and was told that I would not be receiving a check, instead XXXX was requesting the money back. I called XXXX, who confirmed that this was false and that there is no dispute. I want my funds back, which are between XXXX and XXXX. Because I can't access any information about my account, and because of constantly changing stories, I'm at a loss. BBVA also reversed XXXX completed PIaid based ACH transfers, which were against cleared funds, leaving me with charges and negative balances at both institutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
On XX/XX/XXXX. I started receiving calls from multiple relatives informing me that this company ( identified to me as XXXX, to others as XXXX XXXX ) was contacting them regarding a claim that was being filed against me. I then received a call from my father, who informed me that a woman wanted to talk with me and that they were " filing papers '' for a suit against me. He spoke to her ( XXXX, extension XXXX ) multiple times during the day while I was attempting to figure out what was going on, and at no point did I give her or anyone at " XXXX '' permission to do so. At one point during their conversation, she informed him that she would like to get this paid off by XXXX. 

I gave them a call ( XXXX ) and spoke to XXXX, extension XXXX. She informed me that papers were being filed with the XXXX County courthouse because I had " defrauded a credit card company ''. She also mentioned something about wage garnishment. After asking her to identify the debt, she responded with a 16 digit account number, an amount of XXXX dollars, and stated this was a debt from XXXX that had only received one payment and therefore constituted credit fraud. 
I asked if it was possible to pay whatever it was that I owed to stop this, and her answer was yes and that they would settle for XXXX dollars. I then asked her why this debt was not on my recently pulled credit report, and her answer was that it was because they were filing papers to submit them to XXXX County and they were trying to avoid the 7 year statute of limitations. 

Naturally I was a bit apprehensive at this point, as I had just gone through a refinance with my house and had to find every possible debt from the recent past and get it paid off. This debt was not among them. 

I asked for a direct number to the person I was to contact in the event this did prove to be a legitimate debt, and her response was that there wasn't one and to just call the number that got me to her. ( XXXX ) After getting off the phone with her, my wife received multiple calls from them, as did my other sister and even her husband. 

Fortunately I keep old credit reports, and after looking through a physical copy of my credit report from XXXX, the account number I was given did in fact belong to a credit card that had been opened in XXXX, paid on time for months before becoming late, and then charged off in XXXX. This plainly contradicts what I was told ( opened in XXXX, only one payment ) by XXXX. Her urgent tone and general lack of specific information or even a remotely recent address for me coupled with the fact that her date and specifics of this " debt '' were incorrect lead me to believe this is a " scare tactic '' attempt to fraudulently collect a debt that is no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: VA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 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: CA

Complaint narrative:
I first disputed items on my credit report, Equifax sent a response that they investigated the dispute and they verified that the items that i disputed was in fact mine .... this is false. they never did a resonable investigation, their response was that " the furnisher of information certified that the item disputed was mine '' THIS IS NOT AN INVESTIGATION ACCORDING TO THE LAW. My rights under the fair credit reporting act has been violated I then sent Equifax a letter requesting a Method of Verification and they sent me a credit report. They are being paid to report items and they dont care if they are accurate or not and they are not doing any investigations making sure they are reporting the items i previously disputed are correct or that they belong to me. 

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 


The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LJ Ross Associates
State: OH

Complaint narrative:
Today, LJ Ross Associates, contacted my father ( I am not a minor ) and gave him specific details as far as my account number, the name of the company owed to and the exact dollar amount owed to XXXX. My father was not associated with this account. I was the only account holder

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXXXXXX XXXX opened a XXXX XXXX XXXX Mastercard credit card in our name without our authorization with Comenity. They charged our XXXX 's club annual renewal fee to the card. Since then my husband has tried three times to close the account. He paid the renewal fee on the phone and they told him they would close the account and remove all fees. Three months later we are still getting fees on the account. They tell us the account is closed. We have been cut off three times while trying to resolve this tonight. Then they told us they cant remove fees on a closed account. Now they are telling us that they will zero the account. 
Initial charge happened in XXXX. Paid the XXXX XXXX XXXX annual renewal fee on XX/XX/19 online so we could close the account and we were charged a late fee on XX/XX/19 for {$27.00}. The 2nd call was on XX/XX/19 and XXXX employee # XXXX said she cleared all of the charges which were processed on XX/XX/19 {$2.00}, XX/XX/19 {$2.00}, XX/XX/19 {$4.00} & {$2.00}. New fees were put on the account on XX/XX/19 {$11.00} for late fees and XX/XX/19 minimum interest charges {$2.00}. Today we talked to XXXX # XXXX who initially said that he could not take fees off of a closed account. I did let him know we were filling a complaint. He then said he talked to his Leadership Team and they would take the fees off. We never authorized this card and it took 4 months of calling to resolve and now we wait to see if we get another bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have recently been a victim of a scam. Someone posed as a police officer calling from the XXXX police department number told me that my identity has been stolen and used for a slew of illegal activities, including money laundering, drug trafficking, etc. He then transferred me to someone who posed as an FBI agent who told me I need to transfer my money out to another agent so they can sort through the fake accounts that have been opened under my name. The fake agent gave me account numbers and names of the other fake agents to wire the money to. Not knowing this is a scam, I made two transfers out from two accounts to two US Bank accounts. The first one is from XXXX to a US Bank account on XX/XX/XXXX at XXXX XXXX EST for {$12000.00} and the second one is from XXXX to another US Bank account on XX/XX/XXXX at approximately XXXX EST for {$15000.00}. After realizing this is a scam, as an attempt to salvage this, I asked my respective banks to start wire recall procedures, filed a police report, and have also reached out to the customer service reps at US Bank on XX/XX/XXXX around XXXX XXXX to report these accounts as fraudulent, providing the account numbers of the fraudsters. The customer service reps at US Bank was sympathetic and tried to flag the accounts and raise the issue to her manager, but there is not much that she can do. Today ( XX/XX/XXXX ), XXXX has told me that their wire recall has failed as the fraudsters have rejected the claim to return the {$12000.00}. 

This is a big chunk of my life savings and I am deeply distraught by what has happened. As a bank employee, I understand how important security is at a financial institution and am deeply disappointed that US Bank did not perform the necessary due diligence on these account owners, leading to fraudulent attempts and drastic financial consequences. The fact that both of these accounts are from the same branch of US Bank is indicative of US bank not only enabling but encouraging fraudsters to transfer their scams through an apathetic institution. Given the recent scrutiny around XXXX, Im disappointed that US Bank clearly has a culture of indifference that shows that they dont have the customers best interest at heart.

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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dyck-O'Neal, Inc.
State: NY

Complaint narrative:
The collection agency has re-aged 6 accounts according to the original creditors date of first delinquency. I asked them to delete the accounts immediately but have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MI

Complaint narrative:
My student loans date back to XXXX under the public service loan forgiveness program. XX/XX/XXXX I submitted a request to federal loans to have my loans transferred to them and they confirmed that all of my loans qualify for public service loans forgiveness and took over servicing my loans. I have been paying on my loans since XXXX when I graduated XXXX school and began XXXX. In XX/XX/XXXX after Fed loans told me I qualified for the program, I was told I would received information regarding how many of the payments I have made over these last 7 years qualify towards my 10 years ( 120 loan payments ). I have contacted them about every 3 months since then and still have not received an answer when I was told originally it would only take 1-3 months to calculate this. It has now been 14 months and they still have not given me any information regarding my qualifying payments and continue to brush off my requests to have the qualifying payments calculated. I have resubmitted employer information for the 2 places I have worked that qualify for this program and am still making on-time payments every month. Current principle balance is {$310000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA continue using old accounts that are including and discharged in Chapter XXXX bankruptcy in 2016. The company continues to use old accounts to determine my credit worthiness or lack thereof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In a matter of 3 months XX/XX/XXXX - XX/XX/XXXX Synchrony Bank who handles the following stores credit cards and that I shop at closed my credit cards of the following stores : Old Navy Stein Mart TJ Maxx / XXXX/ XXXX credit card JC Penny Walmart XXXX Based on the credit history they obtained from XXXX XXXX . 

I was rapidly getting the letters of which I have attached. 

The above cards I would only charge around {$200.00} as an average and pay them off with monthly payments. JC Penny I hardly used but in the past charged a large amount but always paid it off in time. The same with Stein Mart and TJ Maxx. 

Closing these account lowered my credit score considerably and at a vulnerable time when I was out of a job but now employed I had a hard time catching up but somehow I managed. Also because at the time of my closing of my townhome the Title company did not incorporate the correct yearly taxes for the home thus increasing my mortgage for one year considerably which was not in the budget. 

I even had a credit card with Synchrony Bank which financed my Air conditioner in XX/XX/XXXX so I do not understand why they started closing other accounts when I was on time with paying their credit card. All the closing of the above accounts lowered my score by 40 points They have considerably ruined my credit for no reason at all. The only balance that I had which was very little was TJ Max and Walmart. The other credits cards when they closed had no balances at all.

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