vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I owe JP Morgan Chase XXXX they started in XXXX demanding the balance which was XXXX. I made arrangements to have the full balance paid by XXXX. XXXX they started calling every day asking for a payment, I was told today they will call everyday until they get XXXX they have listed my account as being late four times on my credit report. See below Delinquent Account Reported By Jpmcb Auto Reported On XX/XX/2020 Account Balance {$370.00} Delinquent Account Reported By JPMCB AUTO FINANCE Reported On XX/XX/2020 Delinquent Account Reported By JPMCB AUTO FINANCE Reported On XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: GA

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : { XXXX/XXXX {$1100.00} ( XXXX XXXX XXXX   {$220.00} ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: CA

Complaint narrative:
Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX XXXX as I am a customer with 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 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I don't know what else to do. Bank of America is reporting a fraudulent item and this is causing me high levels of stress. 

I am writing to demand Bank of America to remove the following item of my credit bureaus : Bank of America account # XXXX, opened XX/XX/2016. Closed XX/XX/2016. Limit {$300.00}. Balance {$0.00}. Status : closed. 

I tried to solve this issue with the company. I sent them a dispute letter demanding this item to be removed. They did not investigate or even mark the account as disputed. I am aware that these are two violations under the FCRA and also reporting an account related to fraud. I am a victim of fraud. The account began a negative status when fraudulent charges were made. 

I am demanding Bank of America to send a notice to the three major credit bureaus to remove this item from my report, and provide me with a deletion letter for my records.If they fail to do so, I am willing to take this to the next level. I am sure that once I talk to my attorneys, the list of violations will go up and I will let the decision in a judge 's hands. 

Thank you. 

See attached : letter sent to Bank of America, fax confirmation, FTC 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 2020-02-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 I received a text message from Wells Fargo alerting me to unusual activity on my checking account. At the time, I was on a trip to Louisiana and there were ATM withdrawals being made in XXXX XXXX- two for {$100.00} and one for {$200.00}. Because of the fraudulent alert, WF blocked the two {$100.00} attempts and I dipusted the {$200.00}. I received a notification that they would not be refunding my money because they found no fraudulent activity. I have explained over and over to them that I am the only person authorized to use this account and that I was out of the state. They refuse to reopen it. I have requested documentation on which they relied and they have refused to timely provide it.

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 2020-02-22 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: CA

Complaint narrative:
Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Opened a new Citibank checking account and deposited the $ XXXX required within the 60 days, then waited 90 days and never received the {$500.00} bonus. I contacted Citibank through their phone system and got nowhere, so I closed my account and used their chat service. I was told that I have met all requirements to receive the {$500.00} bonus, yet never received it.

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 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE ACCOUNT LISTED HAS NO RELATION TO MY NAME, THIS ACCOUNT IS REPORTING INACCURATELY ON MY CREDIT REPORT AND HAS BEEN CAUSING DAMAGE TO MY FILE. PLEASE INVESTIGATE THIS ACCOUNT AND HAVE IT OFF MY CREDIT 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 2020-02-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2019 I went to Santander Bank located on XXXX XXXX XXXX in XXXX XXXX, New Jersey. I spoke with a teller by the name of XXXX XXXX and was inquiring about my CDS account. I had asked if it had her " is there any problem is I pull out the money? '' and she said " no there is no problem you can take the money out ''. She never told me that I would receive a penalty for taking the money out 2 days too late because it had rolled-over into a new CDS account. Since she said it was okay, I closed the account. 

In XX/XX/2019 I received my income tax paperwork from Santander Bank which showed a penalty of {$100.00} for closing my CDS account 2 days after it rolled-over. As soon as I received this paperwork, I went to the branch to discuss the issue with XXXX who is manager and explained the conversation that had taken place with their staff member. 

They had apologized for the misinformation on behalf of their staff member but also said that there was nothing that they could do to correct the issue. 

I'm am reporting this issue in hopes of receiving a refund of {$100.00} for the penalty. I would also hope that this never happens to anyone else. All Santander staff handling accounts should be well-versed in rules and regulations that would result in a financial penalty for their patrons. 

Thank you for your time and consideration in this matter. I am looking forward to hearing from someone on your staff to discuss this issue further. 

Sincerely, 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 2020-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
I paid for an e ticket through Paypal but the seller did not send the link.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TN

Complaint narrative:
I lived in an apartment complex that used Procollect as their collection company. Theyre claiming that I owe them double the amount originally owed. Ive wrote them and asked them to verify how I owe Procollect, and they wont furnish a contract that states that I owe them specifically. They keep sending information from the closed down apartment complex. Please watch out for Procollect because they are fraudulent collectors and will make your life a living 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 2020-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am having a very difficult time with XXXX/NewRez. I have been approved for a modification and was making my trial payments. I was unable to get a hold of XXXX/NewRez durning the holidays and now am having trouble having XXXX accept my 3rd trial payment. I called to set up my 3rd payment on a payment arrangement for the XXXX. I was being recorded and I " Specifically asked if should post it for XXXX XXXX because ii wanted to make sure all funds were in '', he said i should be okay because they dont receive the funds until 3-5 business days. As long they receive payment within XXXX I will be fine. They will then send me new papers upon my mortgage agreement. I got an email notification about XXXX/NewRez received payment. I never gotten an XXXX alert from my bank claiming an insufficient fund. I called on XX/XX/XXXX because no answer during the XXXX XXXX Holiday. I talked to XXXX ( asking why they have not taken the money or fired XXXX ) who told me that the check came back and that there is nothing they can do for me except do another modification. My last payment ... he said if they took the money now it s for XXXX and XXXX would not be accounted for!!! I was almost in tears and explained what the other representative said to me. He really didnt seem to care! 

In the middle of trying to get this resolved with XXXX, my file was transferred to NewRez, and they are not following up on the complaint or trying 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 2020-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I bank with USAA. I make transfers often with them. They dont have a physical location so you have to do it by phone. After they accidentally closed my card while I was traveling, I asked them to transfer my money to an external account that they were familiar with. On XX/XX/2020 they confirmed the transfer around XXXX XXXX eastern time. I checked the account 3 hours later and the funds were not there. They arrive within minutes. They stole it cause I threatened to close the account. They stole a XXXX transfer by phone from me and it disappeared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I am being billed for a debt to XXXX XXXX that I do not owe. XXXX, XXXX XXXX XXXX  office out of XXXX in XXXX XXXX and my insurance company have been going back and forth since before XXXX. Now, XXXX has reported me to the Creditors Bureau USA. I feel that this is a form of harassment on behalf of XXXX and the Credit Bureau. XXXX is trying to " Ballance Bill '' me despite the contract that they have with my insurance company. When I called to tell the Creditors Bureau USA that they are trying to collect a debt I do not owe, they initially refused to give me contact information for Quest or to acknowledge there was an error. ( Thanks XXXX working the last shift in XX/XX/21 ). XXXX, a supervisor, finally agreed to give me information. They refused a three way call between my insurance company and themselves where the EOB was explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
This is regarding a Bluebird By American Express SUB account ( a family account within my main account ). The phone number to contact regarding my account, this specific team is the team handling my account and regular customer service will just transfer you to this number, XXXX XXXX XXXX XXXX XXXX XXXX. 
Regular customer service number for your records XXXX XXXX XXXX XXXX XXXX XXXX This is all the information you will need to get access to speak to a representative regarding this situation and my account. 
Name : XXXX XXXX Security Question, Favorite Food : Pizza Date Of Birth : XX/XX/1994 Card Number : XXXX XXXX XXXX Email : XXXX Bluebird American Express Card The card number is inactive as they have stated multiple times they will NOT reopen this account so this is not sensitive information as the card number no longer works, I just want my funds off of the card. 
They will not ask for any other personal information other than that, you can also tell them this is a SUB account and their is no issues with the main account only this account. This is an issue only with this SUB account and there is no locks or blockage on the main account. The number to reach this team, again, is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: Strategic Alliances, Inc.
State: GA

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : { XXXX/XXXX {$1100.00} ( FIRST FININANCIAL AS {$220.00} ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which states that these accounts must be removed within 4 Business Days of receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: CA

Complaint narrative:
I requested a copy of my credit report last month and upon receiving a copy I noticed there were several fraudulent accounts listed on my report. This is extremely alarming due to the fact that I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I disputed an account listed on my credit report as Midland Funding LLC for the amount of {$620.00}. this came back as verified, however without documentation or original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested a copy of my credit report last month and upon receiving a copy I noticed there were several fraudulent accounts listed on my report. This is extremely alarming due to the fact that I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of 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 2020-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
Received XX/XX/XXXX " Demand Letter For Payment '' for {$1200.00} from Phoenix Financial Services, LLC. 

On XX/XX/XXXX I sent a memo ( copy attached ) to Phoenix Financial Services, LLC with attachments showing this bill was paid in full ( {$1100.00} ) to XXXX XXXX XXXX XXXX XXXX XXXX. 

Received Phoenix Financial Services, LLC 's XX/XX/XXXX reply letter XXXX copy attached ) requesting front and back copies of checks.They completely ignored all payments were paid through XXXX XXXX online " my chart '' system and my balance due as of XX/XX/XXXX was XXXX ( {$.00} ) copy attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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:
I requested a copy of my credit report last month and upon receiving a copy I noticed there were several fraudulent accounts listed on my report. This is extremely alarming due to the fact that I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of 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 non-monetary relief
Consumer complaint received 2020-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I already have a case going with you against Wells Fargo. Case # XXXX. Just wanted you to know I filed a complaint suing Wells Fargo for what they did to me and have attached it

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 2020-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
ConServe has made several calls to my employer disclosing my social security number to several employees to try to verify whether its me. They have also sent mail to a friends address, in my name, who has no involvement in my financial concerns. They then sent a letter to garnish wages to a past employer who contacted me to inform me of the situation. Too much of my personal information is being disclosed to uninvolved parties. This is not only harassment but a violation of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express are discriminating against me due to my XXXX and medication. They are refusing to process the attached reasonable accommodation request under the American with Disabilities Act of 1990 as a title III company. 

The email was emailed to XXXX XXXX and XXXX XXXX on XX/XX/XXXX regarding the title III reasonable accommodation request which attached.

Company response to consumer: Closed with explanation