vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NJ

Complaint narrative:
DEAR SIR/MADAM, I RECEIVED OKLAHOMA TAX REFUND AS A DEBIT MASTER CARD, A XXXX CARD, END OF XX/XX/2018. I ACTIVATED IT AND THE THE TOTAL AMOUNT THAT OKLAMHOMA REFUNDED WAS {$370.00}. HOWEVER WHEN I WENT TO USE IT I COULD ONLY USE {$370.00}. THUS, I CALLED MANY TIMES TO GET MISSING XXXX REFUNDED. I NEVER CALLED TO GET THE BALANCE ON THE CARD, BUT THE COMPANY HAS A SCAM THAT EVERY TIME YOU CALL THEY CHARGE YOU XXXX, EVEN THOUGH YOU DO NOT WANT THE BALANCE. SO JUST TO SPEAK TO A REPRESENTATIVE YOU GET CHARGED XXXX, THIS WAS NOT NOTIFIED TO ME WHEN I RECEIVED THIS DEBIT CARD FROM OKLAHOMA TAX REFUND. THIS IS THE FIRST TIME I HAVE RECEIVED THIS TYPE OF DEBIT CARD. MY LAST CONVERSATION WAS WITH A SUPERVISOR NAMED XXXX XXXX XXXX ON XX/XX/2018 WHO SAID I WAS REFUNDED XXXX ONCE BUT NOW I HAVE A NEGATIVE BALANCE BECAUSE I CALLED SO MANY TIMES, SINCE EVRY TIME I CALL TO SPEAK TO A REPRESENTATIVE THEY CHARGE XXXX CENTS. XXXX XXXX OWNS XXXX XXXX, THE NUMBER OF XXXX IS XXXX, THE NUMBER OF XXXX IS XXXX. PLEASE ASSIST ME SO THE COMPANY SENDS ME A CHECK FOR XXXX, THEY SHOULD CLOSE MY ACCOUNT AND MY CARD. I ASKED XXXX TO DO THAT BUT SHE WILL NOT CLOSE MY ACCOUNT, SHE SAID SHE WILL CLOSE MY CARD BUT WILL NOT SEND ME EMAIL OR MAIL VERIFICATION THAT THE ACCOUNT IS CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I transferred {$1000.00} from my Bank of America savings account to a savings account at another bank. I was charged a {$3.00} transfer fee that was not listed anywhere on my schedule of fees for my account - I have a complete listing of fees and this should have been a zero-fee transaction. I called to complain and they told me this is just how they do things. I am very displeased with their lies and misrepresentations about their fees and think this practice needs to be stopped. I would also like my {$3.00} back.

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 2018-10-18 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XX/XX/2018 To : Consumer Financial Protection Bureau Im writing this letter to complain about XXXX XXXX false information provided to Credit Bureau ( XXXX ) about delinquencies reported for account Account ( HSBC Advance Mastercard Account Ending in XXXX ). XXXX XXXX reported on XX/XX/XXXX that my account has later payment for 3 months and current balance {$100.00}. 
After receiving alert from XXXX on XX/XX/XXXX, I checked my FICO score and it was lowered by 77 points because of that fraud report. After talking to XXXX XXXX ( credit card and collection department ) I was told that this is not correct information and bank DID NOT REPORT IT. I attach the letter from bank to confirm their answer. ( date XX/XX/XXXX ) XXXX credit bureau dispute was initiated on XX/XX/XXXX and result was returned back on XX/XX/XXXX back that said that information still correct and bank confirmed about my negative status of my CC balance.Currently there is still negative report in my account ( attached copy is provided ). Second dispute is initiated again. 

THE REAL TRUE STORY IS THAT MY ACCOUNT WAS CLOSED IN XX/XX/2018 AND CHARGES THAT WERE MADE TO MY HSBC CREDIT CARD ACCOUNT WASNT AUTHORIZED. CURRENT BALANCE NOW XXXX AFTER WAIVING ALL FEES. 

My complain is about false and misleading information from both agency : XXXX bureau and Bank HSBC. There is no real information provided from both of Agencies. HSBC customer support told that none reported to Credit bureau, but XXXX Credit Bureau notifies twice that there is still account in bad condition ( balance of charge and later fee for delinquencies ). 
On XX/XX/XXXX I tried to reach both company ( HSBC and XXXX ) but none was able to help me as it was so hard to reach correct department and right people who is in charge of doing such reports. I dont think that FICO scores and Credit Bureau reports of people should be TRUSTED by any banks or financial companies. 
Please help me to fix that fraud information and fix my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have no account or contract with Portfolio Recovery or XXXX XXXX XXXX. The original creditor has been sent a copy of my theft report as well as well as this third party Portfolio Recovery. They sent me a letter removing on of the accounts on same theft report with the police report and also my attorney information The XXXX XXXX XXXX, but keep attempting to collect on a account that is not mine and when asked for a contract with a signature i am sent copies of a print screen shot of a old bill, I am requesting a copy of a Contract with a valid signature sent to me & / my attorney office. I am aware this is not validity of any debt. I am also requesting a copy of my signature with any contract with Portfolio Recovery. Payment history and accounts payments are being made from. Do Not Provide Me with screen prints on a fraudulent account. All information is to be sent to my attorney office also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2018 in response to an internet offer that promised a {$400.00} bonus, I opened Citibank checking and savings accounts and subsequently deposit {$15000.00} dollars. To maintain this amount for 60 days was the requirement for the {$400.00} bonus. After the 60 day period I contacted Citibank a number of times regarding the unpaid bonus. Their offshore call centers make contacting them difficult, but I persisted and on each occasion their customer service agent imediately asked for " an offer code ''. I responded to the offer directly through a weblink and have no knowledge of any such requirement. Subsequently I investigated and their bonus offer saw still widely circulated without any " offer code '' whatsoever. This is nothing more that a ploy from Citibank to increase their deposits without paying the depositors any interest or bonus. I ask you, or any reasonable person : would you deposit {$15000.00} in a bank account offering .04 % or less when you can easily find banks currently paying 2.0 % and higher. Citibank must be enjoined from cheating consumers through this most obvious fraud. Please feel free to contact me for any documentation required in prosecuting this illegal banking activity. I have considerable evidence to establish the fact that they are cheating their depositors. I have provided two pertinent screenshots of the offer I responded to and Citibank 's acceptance.

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 2018-10-18 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I was notified by the mortgage office that an old creditor XXXX XXXX was reflecting my bankruptcy with an incorrect date, my bankruptcy file date is XX/XX/XXXX with a discharge date of XX/XX/XXXX. XXXX XXXX has a date of XX/XX/XXXX for the discharge, I have filed a complaint electronically and also called and spoke to a rep with Experian and still no resolve. I explained to the rep that this was included in my bankruptcy and the information needs to be accurate. After reviewing my credit report they had the balance as {$10000.00} and the total balanced owed as {$100000.00}. Now this is affecting me from being able to purchase a home due to the mortgage company advising that I can not proceed further for another 2 years based on the incorrect information/date they see on the file.

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 2018-10-18 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
We were reported as late payment when in fact we have more than enough funds with XXXX XXXX for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Trident Asset Management is reporting on my credit report a collection account in the amount of {$2000.00}. When I asked them what this was about they said it was a XXXX land line open in XXXX at an address I was not living at. I have lived at my current address since XXXX. I also have the same open active wireless account with XXXX for many many years. It has always been in good standing. This collection is not mine and I want it removed. I have explained this to them many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: General Motors Financial Company, Inc.
State: HI

Complaint narrative:
I was notified by the mortgage office that an old creditor GM Financial was reflecting my bankruptcy with an incorrect date, my bankruptcy file date is XX/XX/XXXX with a discharge date of XX/XX/XXXX. GM Financial has a date of XX/XX/XXXX for the discharge, I have filed a complaint electronically and also called and spoke to a rep with XXXX  and still no resolve. I explained to the rep that this was included in my bankruptcy and the information needs to be accurate. After reviewing my credit report they had the balance as {$10000.00} and the total balanced owed as {$100000.00}. Now this is affecting me from being able to purchase a home due to the mortgage company advising that I can not proceed further for another 2 years based on the incorrect information/date they see on the file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX a credit card was opened in my name from my phone, I did not open this account nor was it authorized to be open. My wallet came up missing a few times but always came up my truck window was broke around that time I forget being a soccer dad a lot of moving parts leave my wallet on the seat a few times. I think someone stole my information because I had no cash either time but my social and driver license. I had no knowledge of the until recently I joined XXXX XXXX. For over two decades my brother has use my name his aka is me. Please help with this manner I have had a lot of fraud on my account over the years. Also on XX/XX/XXXX fraudulent charges occurred from XXXX. On the date this card was open from my phone there were many people over at where I live visiting friends and family many people used my phone all my personal info has been compromised etc. People have stolen my money wallet phone etc. over the years. I have XXXX XXXX. and XXXX   from all the abuse. I have been XXXX twice from him using my name and stealing my identity mailing court paperwork to his home address. I have given you possibilities please help me with this manner this is not my account. My information has been out there for a while. I disputed with all agencies and then XXXX deleted it but then it came back as a collection. Didn't understand that? 

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Branch at XXXX XXXX XXXX XXXX XXXX, CA XXXX made a huge error that they refuse to rectify. I opened a checking and savings account ( with a large amount of money ) and a credit card. After the accounts were opened and the credit card had been applied for I got a call from someone from Wells Fargo Credit services, asking me if I had applied for a credit card. They called me XXXX XXXX. My name is not XXXX XXXX. It is XXXX XXXX XXXX. I got so nervous that someone would have access to my accounts. I called someone from the Wells Fargo Executive team and they said they would call me back in 24 hours with a resolution. Nobody from Wells Fargo called me back. So I went into the branch to try and fix this situation and the Branch Manager there XXXX XXXX was very rude, disrespectful, and not helpful. I wanted to close my accounts because I am nervous with the way they got my name wrong on the credit application. My credit is very important to me. With the current reputation that Wells Fargo has I would think they would want to help fix their error. I was able to close my checking account today 2 business days later. But Wells Fargo is still holding {$20000.00} in my Savings account that I was trying to close. The funds have cleared my XXXX XXXX & our now at Wells Fargo. The Branch Manager XXXX XXXX was so rude, and unprofessional. I was offended that the Branch manager was talking down to be and not willing to fix their error. He also indicated that he can not confirm if the check cleared or not and/or can not confirm i.e. " I would not know how to confirm that. '' This is absurd to me that a branch manager as he was represented to me did not know how to confirm and/or can confirm such a basic info. Wells Fargo still holds my funds that was cleared from my own personal account at 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 2018-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went into the XXXX Chase branch on XX/XX/18. I ordered a new atm card as I lost mine. The banker gave me a temporary card, which can not be used except at the atm machines The banker never sent my new atm card until XX/XX/18, per XXXX in XXXX, AZ ; I spoke to him at XXXX today, XX/XX/18, and told me that the previous banker, should have sent the card earlier. 

This really is a problem as I can not pay my bills and have been threatened with cancellation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
We were reported as late payment when in fact we have more than enough funds with XXXX XXXX  for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.

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 2018-10-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
We were reported as late payment when in fact we have more than enough funds with XXXX XXXX for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: CA

Complaint narrative:
We were reported as late payment when in fact we have more than enough funds with XXXX XXXX for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.

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 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank froze my account and did not fund the checks and auto payment we made without informing us. This caused our car lender to report us as late payment to the credit bureau resulting to a damage credit score. We were on the call with Chase bank on XX/XX/XXXX and on XX/XX/XXXX. We were also at Chase Bank branch on XX/XX/XXXX to request for a temporary ATM card. During those times nobody informed us that Chase will stop funding all our payments. I only found out that Chase was not funding my check when my car lender reported us for late payment on XX/XX/XXXX. I was at a Chase Bank office on XX/XX/XXXX and XX/XX/XXXX to clarify what was going on. All I can get for an answer was that our account was frozen and that nobody could explain why. Attached is a copy of the bank statement that shows unfunded payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: McCarthy, Burgess & Wolff, Inc.
State: MD

Complaint narrative:
On XX/XX/2018, XXXX was contacted about past due account and reason ; payment arrangements were made to restore service. XXXX stated account could not be restored until full amount is paid. 

On XX/XX/2018, XXXX was contacted about additional charges on the account, promise to pay arrangements were made, and the agent stated the account would be notated so that the account will not be transferred to collections. Another payment was made following the call. 

On XX/XX/2018 I received a collection notice from an attorney office via email at XXXX claiming they tried contacting my office to collect a debt on behalf of XXXX without a response which is a negative and false. The cellphone has been temporary suspended due to non-payment. XXXX was immediately contacted referencing the harassment and was unable to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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 — Investigation took more than 30 days
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
Online Information Services Inc XXXX XXXX  XXXX XXXX NC XXXX Business failed to respond to collection letters required by law. They will not remove accounts from the credit agencies. I checked my credit report and found this organization placed a collection account on my report. I contacted the organization on XX/XX/XXXX regarding this issue and asked the send me their initial letter to collect a debt. I found the information they provided to be incorrect. On XX/XX/XXXX I sent a certified letter of dispute asking verification of debt. This letter was sent with a signed receipt. After 30 days past, there was no response from this organization. They are required to provide verification of debt within 5 days and a response with 30 days according to Fair Debt Collection Practices Act ( FDCAP ) as outlined in 15 U.S.C. 1692 (  outlined in my letter I sent them ). Because no response was received, I sent another certified letter with delivery receipt on XX/XX/XXXX demanding the remove the information from my credit report and consider this matter closed. In this communication I also provided a copy of the original letter sent. There has been no contact from this organization and they fail to respond to my written contact per the FDCAP. They also have not removed the account from my credit report. I am seeking resolution here before I file in small claims court.

Company response to consumer: Closed with explanation