vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX XXXX XXXX 1, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and the following inquiries XXXX XXXX XXXX XXXX 1 XXXX  XXXX MXXXX XXXX XXXX 2,  TXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX XXXX XXXX 1, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and the following inquiries : XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA response of XXXX XXXX and XXXX XXXX XX/XX/XXXX confirms XXXX XXXX {$120.00} IS NOT INCLUDED in the {$470.00} I REPORTED FRAUD XX/XX/XXXX. XX/XX/XXXX USAA Confirms in XXXX XXXX NO XXXX XXXX A RETURNED ITEM IS INCLUDED IN FRAUD I REPORTED XX/XX/XXXX. XX/XX/XXXX XXXX XXXX USAA Confirms XXXX XXXX A RETURNED ITEM {$120.00} IS INCLUDED PART OF BALANCE LEFT AFTER MERCHANT PAID XX/XX/XXXX. XXXX XXXX XXXX XXXX IS INCLUDED AGAIN AS BEING PART FRAUD I REPORTED XX/XX/XXXX?? XX/XX/XXXX XXXX XXXX and XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX RETURNED ITEM IS INCLUDED IN WHAT I REPORTED FRAUD XX/XX/XXXX. I'M CONFUSED?? AND XX/XX/XXXX STATEMENT CONFIRMS NO USAA CREDITS. NO RESOLVE OF FRAUD {$470.00} XX/XX/XXXX DEFAMATION USAA DEFAMED MY NAME REPORTING FASELY CLAIMING I REPORTED A RETURNED ITEM AS FRAUD. LIES LIES LIES AND LIES CREDITS FROM USAA APPLIED. Both responses can not be right. I CLAIM DEFAMATION. STATEMENTS ARE PROOF OF TRUTH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
To whom this may Concern, I am writing in to file a formal complaint against National Credit Adjusters. 
Amount : {$2900.00} Delinquency first reported : XX/XX/XXXX Debt buyer account This debt collections adjuster did not send me notification of alleged debt and when I researched who the collection could be for, I do know that this debt has exceeded the statue of limitations for the following states : Georgia, Kansas & Virginia. 

I also sent a debt verification request via certified mail requesting that they verify the debt on XX/XX/XXXX asking the debt collector to please send me a response within 15-30 business days. I have yet to receive a response. The Debt collector did how ever close the account on my credit profiles marking it paid off, however, that was not my request because I did not a will not pay them anything for an entry that should not have been placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
I was working with Amerisave Mortgage and XXXX XXXX on a mortgage. I was quoted one price and at the last minute raised XXXX a month. The agent had no idea nor informed me of the change. He was cashing me out and put XXXX in escrow or so he said. Plus they were charging me XXXX in closing cost which is ridiculous. I was told I would get the money back on the apprasial which apparently I will not. I'm not saying this is illegal ; however, it was clearly misleading with the phone conversations. If you review the phone records that they use for training purposes you will see what I mean. I believe the company was looking to rip me off.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attached FRAUD CLAIM XX/XX/XXXX {$470.00}. Temporary Credits made permanet NEVER APPLIED AFTER 10 TEN MONTHS OF INVESTIGATION. See attatched STATEMENT XX/XX/XXXX. ONLY CREDITS ARE MERCHANTS CREDITS. Where are the timely USAA temporary credits USAA CONFIRMS WERE MADE PERMANET THAT HAVE NEVER BEEN MADE. 10 TEN MONTHS LATE? THEY DO NOT EXSIST. Why was I descriminated against because of my age or was it my XXXX? WHY WEREN'T MY FRAUD CREDITS MADE TIMELY? WHY WEREN'T CREDITS CONFIRMED PROVIDED PROVIDED AS WITH THOSE ABLE TO GO ON LINE ALWAYS ARE PER USAA POLICY? DISCRIMINATION AGAINST XXXX  XXXX CONSUMERS? XXXX  XXXX  ARE NOT ABLE TO GO ON LINE WHEN USAA IS NOT ADA ACCESSIBLE. No man in blue ADA ACCESS. NO WAY TO RESOLVE TARGETED XXXX XXXX CONSUMERS FRAUDS. XXXX USAA STILL NO RESOLVE. ALL OTHERS WOULD BE PROVIDED CREDITS TIMELY OR AT ALL, BUT NOT ME A XXXX XXXX  CONSUMER THAT NEEDS MORE PROTECTION THAN THOSE LESS VULNERABLE!!!!!!!!!!!! AND A 35 YEAR MEMBER XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXX of last year I noticed 2 fraudulent charges in my account. One for {$270.00} and another for {$250.00}. The moment I realized I contacted PNC immediately and notified them. I just joined this bank and already I was experiencing fraud, topped with their terrible customer service experiences I decided to close out all of my accounts with them. Of course the closing of my accounts took forever with their employees refusing for over an hour and a half to let me speak with the necessary parties to do so. When I finally got someone they stated they had to wait until XXXX to close out the one remaining checking account that holds the dispute for the two fraudulent transactions mentioned earlier. I said that was fine since I know I didnt make those two transactions. Keep in mind since their service was so bad, coupled with I didnt even receive a fraud alert for such major transactions I switched back to my previous bank XXXXXXXX XXXX since XXXX of XXXX. XXXX XXXX   has been my main bank since and no transactions at all have been coming out or deposited into PNC. Yet somehow with the account they refused to close because of the pending dispute ( still not sure why its taking them 3 months for transactions that werent mine ) they are charging fraudulent fees. This checking account is a student account thus there is no monthly fees, so I dont get what fees theyre charging for in active account bringing it to the negatives and then having they audacity to charge overdraft fees they created. Fast forward to XX/XX/XXXX. I opened the app to finally see if they closed out the account only to see they refused the dispute asking me to pay for transactions I didnt make. Yes an app had to tell me they never sent a letter or called!!! This bank is above ridiculous! Im not paying for transactions I didnt make, and fraudulent fees theyre charging me because they want to keep an unwanted account open. I did some research and found out Im not the only victim to this scam of theirs, there was a whole lawsuit in XXXX by many customers of the bank and if they dont rectify this situation I will be their XXXX lawsuits and I have proof of not even having access to my bank/debit card at the time of the fraudulent transactions. Im tired of calling just to be transferred around for 2 hours because no one wants to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For approximately 5 years, I have been unable to obtain my Equifax credit report via the online XXXX XXXX XXXX XXXX  website, by signing into the Equifax website directly, or by calling in. 

I have received information from them that my file was involved in and compromised by security breeches. I have kept my file frozen for years now. I can unlock and lock credit, log into my account, and/or initiate a dispute. I am unable to obtain my credit report. 

They have requested I update income, employer, and other information that is not my legal obligation to do, in order to obtain a credit report to which I have a legal right. 

The questions Equifax uses are so vague that they are sometimes hard to answer. The questions XXXX  and XXXX  asks are very specific and easy to answer, so I have no issues with those two agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Comerica
State: MA

Complaint narrative:
Checked transactions at a time in between an old card and waiting for new one because of this suspect activity.I dont recognize any of these companies or the charges.Ive not recieved any product from any of them. Ive tried to reach out to them but i dont know who they are. The bank had 1 number to call. The phone is disconnected. bank has said i entered into 1 agreement. Wheres my product they charged me twice the same day. The bank has declined my request for refund. This is all fraudulent. 
The Bank is Direct Express The company 's that charged my card are XXXX FOR XXXX ON XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXX  FOR XXXX ON. XXXX XXXX XXXX XXXX 2 CHARGES FOR XXXX AND XXXXON XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Hello I have a Citibank secured Credit Card. I purchased what I thought was a pair of authentic leather XXXX XXXX on XXXX in early XX/XX/2020 ... When I received the Gloves I found out that they were not authentic and contacted the merchant XXXX  and XXXX on the issue ... I did not get any help in getting this resolved ... I then turned to my credit card company Citibank because they state they have 100 % protection against fraud and fraudulent purchases. I put through a dispute and provided all information that I was able to get to show that this item that I purchased was fraudulent. I spoke to several people at Citibank and they all said that I did as much as I can and that the dispute would be resolved in my favor ... I received a final notice a few weeks ago stating that they could not reverse the charge due to lack of information. I was so upset that I requested for my credit card to be closed due to Citibank disvalues their customers. I can not seem to get this resolved. Can you please assist me? I've been a customer with Citibank for more than 15 years

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 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XX/XX/2020, my fianc and I combined our bank accounts. We both moved into his account. I emptied my account XXXX but left it open. 

I thought I had changed my bank account information on American Express to reflect the new account. On XX/XX/2020, I attempted to pay my statement off on AmericanExpress.com. Total : {$4700.00}. Unfortunately, the bank account information had not updated, so the system attempted to pull from my old and empty account XXXX. 

I didnt notice this for several days XXXX XX/XX/2020 ). When I logged in to check my bank account, I noticed that it had attempted ( and failed ) to pull the funds and had over drafted my account. I was told it would continue to try. I did not want to accrue overdraft fees, so I opened a case to dispute it in hopes that it would stop trying to draft. 

My bill was due XX/XX/2020, and the dispute was still open, so I moved the funds from my new account to my old account XXXX and paid off the American Express statement. I then went into my bank XXXX XXXX XXXX XXXX and closed the account permanently on XX/XX/2020. 

I assumed this handled everything as I paid my bill. 

On XX/XX/XXXX, the dispute was closed and American Express claimed to return the funds to me. Now, my American Express account shows I still owe the amount despite having paid it. The account had been closed at the point for 10 days. I called XXXX XXXX and they confirmed that nothing could be transferred into the account at this point. 

Ive spent a full work day on the phone and chats with American Express. I opened a second dispute which has closed without resolution. I can not waste any more time on useless phone calls with customer service. If this cant get resolved quickly, I will have to take legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 JPMCB AUTO XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Braviant Holdings, LLC
State: GA

Complaint narrative:
To whom this may Concern, I am writing in to file a formal complaint against XXXX XXXX XXXX. 
Amount : {$2900.00} Delinquency first reported : XX/XX/XXXX Debt buyer account This debt collections adjuster did not send me notification of alleged debt and when I researched who the collection could be for, I do know that this debt has exceeded the statue of limitations for the following states : Georgia, Kansas & Virginia. 

I also sent a debt verification request via certified mail requesting that they verify the debt on XX/XX/XXXX asking the debt collector to please send me a response within 15-30 business days. I have yet to receive a response. The Debt collector did how ever close the account on my credit profiles marking it paid off, however, that was not my request because I did not a will not pay them anything for an entry that should not have been placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX around XXXX, I made an online payment on the Bank of America website for my credit card bill of {$7700.00}. On XX/XX/XXXX I went to the BOA website to check if the payment had been processed, as it was due that day. As of XXXX XXXX  there were no pending payments, so I checked my bank and the amount had not been withdrawn. 

I called BOA and spoke to a representative who confirmed that there were no payments pending. I asked her to double check because last year, I had a similar problem where there was no posting on the website so I made the payment twice thinking the first transaction did not go through. After waiting for a few minutes while she consulted another department, she said there weren't any payments pending. Therefore I gave authorization over the phone to withdraw the amount to avoid penalty. I thought the matter would be finished. 

Yesterday when I checked my bank account, I found that two withdrawals from BOA for {$7700.00} were made on XX/XX/20. Immediately I called BOA and informed them of the mistake and asked to return the money that day. They agreed to refund the {$7700.00} but they told me it normally takes 2-5 business days, however up to 10 days. 

This money should be refunded to me IMMEDIATELY. To wait this amount of time for a " refund '' is unacceptable. Because of such a large amount of money was taken out of my account, it was in deficit. This is causing me financial and emotional distress. I need that money to be returned now so I can pay the rest of my bills for this month. 

There is a serious problem with BOA online bill pay and a lack of accountability for this mistake. As I mentioned this is the second time that this has happened. I had specifically asked the representative to double check that no transactions were pending. I spoke with 2 managers and neither could offer any assistance.

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